| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BECKER BENEFIT GROUP INC3 | 11000 OWINGS MILLS BOULEVARD SUITE 6A OWINGS MILLS, MD 21117 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 0.78% |
| GROUP BENEFIT SERVICES INC3 | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 0.35% |
| BECKER BENEFIT GROUP INC3 Filed as: BECKER BENEFIT GROUP | 11000 OWINGS MILLS BOULEVARD SUITE 6A OWINGS MILLS, MD 21117 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $34K | — | $34K | 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 | $12K | — | $12K | 16.61% |
| BECKER BENEFIT GROUP INC3 | 11000 OWINGS MILLS BOULEVARD SUITE 6A OWINGS MILLS, MD 21117 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 7.39% |
| GROUP BENEFIT SERVICES INC3 | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 3.00% |
| BECKER BENEFIT GROUP INC3 | 11000 OWINGS MILLS BOULEVARD SUITE 6A OWINGS MILLS, MD 21117 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 9.81% |
| GROUP BENEFIT SERVICES INC3 | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 3.00% |
| CHARLES W HARLAN3 | 5917 MEADOWOOD ROAD BALTIMORE, MD 21212 | AFLAC | $2K | $40 | $2K | 5.62% |
| WILSON K BARNES JR3 | 2448 DIXIE LANE FOREST HILL, MD 21050 | AFLAC | $1K | $40 | $1K | 4.45% |
| DANIEL E ALTMIRE3 | 12800 MIDDLEBROOK ROAD SUITE 490 GERMANTOWN, MD 20874 | AFLAC | $543 | $16 | $559 | 1.97% |
| DIANE L STOIBER3 | 300 NORTH CORPORATE DRIVE SUITE 300 BROOKFIELD, WI 53045 | AFLAC | $541 | — | $541 | 1.91% |
| KAREN E ALTMIRE3 | 12800 MIDDLEBROOK ROAD SUITE 490 GERMANTOWN, MD 20874 | AFLAC | $533 | — | $533 | 1.88% |
| MARK B COLEMAN3 | 224 COLEMAN ROAD MIDDLETOWN, CT 06457 | AFLAC | $142 | — | $142 | 0.50% |
| ARON D TERAN3 | 3684 HOLBORN PLACE FREDERICK, MD 21704 | AFLAC | $131 | — | $131 | 0.46% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILE, MD 21104 | AFLAC | $101 | — | $101 | 0.36% |
| SCOTT B LEE3 | 390 CONCORD DRIVE BROOKFIELD, WI 53305 | AFLAC | $68 | — | $68 | 0.24% |
| STEWART P WOMBLE3 | PO BOX 397 CHERITON, VI 23316 | AFLAC | $51 | — | $51 | 0.18% |
| KENNETH B COFER3 | 5950 SYMPHONY WOODS ROAD SUITE 214 COLUMBIA, MD 21044 | AFLAC | $40 | — | $40 | 0.14% |
| CAROLINE D MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $31 | — | $31 | 0.11% |
| ARON D TERAN3 | 70 THOMAS JOHNSON DRIVE SUITE 102 FREDERICK, MD 21702 | AFLAC | $13 | $16 | $29 | 0.10% |
| RONALD J LONGHURST3 | 7045 MELTING SHADOWS LANE COLUMBIA, MD 21045 | AFLAC | $27 | — | $27 | 0.10% |
| CHRISTOPHER PARSONS3 | 4370 SADDLE COURT EARLYSVILLE, VA 22936 | AFLAC | $20 | — | $20 | 0.07% |
| JEREMY A FELDMAN3 | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $8 | — | $8 | 0.03% |
| DONALD B ORRELL3 | 1581 CHERRY GROVE ROAD NORTH SUFFOLK, VA 23432 | AFLAC | $6 | — | $6 | 0.02% |
| MARK JOHNSTON3 Filed as: MARK A JOHNSTON | 934 SWEENEY DRIVE SUITE 8 HAGERSTOWN, MD 21740 | AFLAC | $5 | — | $5 | 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% |
| KELLY LYNN FELDMAN3 | 15324 SWEETBAY STREET WOODBINE, ME 21797 | AFLAC | $2 | — | $2 | 0.01% |
| GREGORY D HILL3 | 16142 SWALLOWTAIL PLACE MIDLOTHIAN, VA 23113 | AFLAC | $2 | — | $2 | 0.01% |
| EDWIN VEGA3 | 134 PINECOVE AVENUE ODENTON, ME 21113 | AFLAC | $1 | — | $1 | 0.00% |
| DIVYA JAIN3 | 4401 FAIR LAKES COURT SUITE 304 FAIRFAX, VA 22033 | AFLAC | $1 | — | $1 | 0.00% |
| DAVID J MCCLELLAN3 Filed as: DAVID J WAGENHEIM | 582 WOODBINE AVENUE TOWSON, MD 21204 | AFLAC | $1 | — | $1 | 0.00% |
| BECKER BENEFIT GROUP INC3 | 11000 OWINGS MILLS BOULEVARD SUITE 6A OWINGS MILLS, MD 21117 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $447 | — | $447 | 14.99% |
| GROUP BENEFIT SERVICES INC3 | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $89 | $89 | 2.99% |
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 | 100 | $73K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 146 | $340K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 146 | $50K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 146 | $42K |
| Stop-loss / reinsurancereinsurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 91 | $227K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 146 | $371K |
| 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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.