| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BECKER BENEFIT GROUP INC3 Filed as: BECKER BENEFIT GROUP | 11000 OWINGS MILLS BOULEVARD SUITE 6A OWINGS MILLS, MD 21117 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $31K | — | $31K | 15.00% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $7K | — | $7K | 9.73% |
| BECKER BENEFIT GROUP INC3 | 11000 OWINGS MILLS BOULEVARD SUITE 6A OWINGS MILLS, MD 21117 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 8.18% |
| GROUP BENEFIT SERVICES INC3 | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 3.25% |
| BECKER BENEFIT GROUP INC3 | 11000 OWINGS MILLS BOULEVARD SUITE 6A OWINGS MILLS, MD 21117 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 11.35% |
| GROUP BENEFIT SERVICES INC3 | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 3.25% |
| BECKER BENEFIT GROUP INC3 | 11000 OWINGS MILLS BOULEVARD SUITE 6A OWINGS MILLS, MD 21117 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 7.42% |
| GROUP BENEFIT SERVICES INC3 | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 3.24% |
| CHARLES W HARLAN3 | 5917 MEADOWOOD ROAD BALTIMORE, MD 21212 | AFLAC | $2K | $32 | $2K | 6.89% |
| WILSON K BARNES JR3 | 4 SAINT MICHAELS WAY BALTIMORE, MD 21212 | AFLAC | $2K | $32 | $2K | 6.49% |
| DANIEL E ALTMIRE3 | 12800 MIDDLEBROOK ROAD SUITE 490 GERMANTOWN, MD 20874 | AFLAC | $574 | $13 | $587 | 2.25% |
| KAREN E ALTMIRE3 | 12800 MIDDLEBROOK ROAD SUITE 490 GERMANTOWN, MD 20874 | AFLAC | $549 | $13 | $562 | 2.15% |
| ARON D TERAN3 | 70 THOMAS JOHNSON DRIVE SUITE 102 FREDERICK, MD 21702 | AFLAC | $213 | — | $213 | 0.82% |
| MARK B COLEMAN3 | 224 COLEMAN ROAD MIDDLETOWN, CT 06457 | AFLAC | $159 | — | $159 | 0.61% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $113 | $13 | $126 | 0.48% |
| STEWART P WOMBLE3 | BOX 397 CHERITON, VA 23316 | AFLAC | $51 | — | $51 | 0.20% |
| KENNETH B COFER3 | 5950 SYMPHONY WOODS ROAD SUITE 214 COLUMBIA, MD 21044 | AFLAC | $47 | — | $47 | 0.18% |
| RONALD J LONGHURST3 | 7045 MELTING SHADOWS LANE COLUMBIA, MD 21045 | AFLAC | $34 | — | $34 | 0.13% |
| CAROLINE D MORNINGSTAR3 | 11275 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $31 | — | $31 | 0.12% |
| CHRISTOPHER PARSONS3 | 4370 SADDLE COURT EARLYSVILLE, VA 22936 | AFLAC | $20 | — | $20 | 0.08% |
| ARON D TERAN3 | 152 ROLLINS AVENUE SUITE 210 ROCKVILLE, MD 20852 | AFLAC | $8 | — | $8 | 0.03% |
| DONALD B ORRELL3 | 1581 CHERRY GROVE ROAD NORTH SUFFOLK, VA 23432 | AFLAC | $6 | — | $6 | 0.02% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES R HILL SR | 9701 GAYTON ROAD SUITE 6 RICHMOND, VA 23238 | AFLAC | $5 | — | $5 | 0.02% |
| BECKER BENEFIT GROUP INC3 | 11000 OWINGS MILLS BOULEVARD SUITE 6A OWINGS MILLS, MD 21117 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $454 | — | $454 | 15.94% |
| GROUP BENEFIT SERVICES INC3 | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $91 | $91 | 3.20% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 146 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 101 | $69K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 146 | $36K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 146 | $45K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 146 | $37K |
| Stop-loss / reinsurancereinsurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 87 | $204K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 146 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.