| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS ARCHITECTS LLC3 | 1 BARRINGTON PLACE SUITE 102 BEL AIR, MD 21014 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | $20K | $20K | $41K | 5.61% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS, INC | 6 NORTH PARK DRIVE S 310 HUNT VALLEY, MD 21030 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | — | $22K | $22K | 3.10% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21234 | HARTFORD LIFE AND ACCIDENT | $6K | $5K | $11K | 18.00% |
| INNOVATIVE INSURANCE SOLUTIONS LLC3 Filed as: INNOVATIVE INSURANCE SOLUTIONS | PO BOX 276 FOREST HILL, MD 21050 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 8.66% |
| MULLANEY ENTERPRISES LLC3 | 5501 TWIN KNOLLS ROAD COLUMBIA, MD 21045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $427 | $2K | 6.73% |
| ARTURNO BANUELOS3 | 102 WAYNE DRIVE LYNCHBURG, VA 24502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $425 | $246 | $671 | 2.42% |
| GUSTAVO TODE3 | 20607 DUCK POND PLACE GERMANTOWN, MD 20874 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $482 | $23 | $505 | 1.82% |
| ERNESTO MCKENZIE JR3 | 9210 TOMS TRAIL LAUREL, MD 20723 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $396 | $31 | $427 | 1.54% |
| SHAWN MARIE KING3 | 50 LAGOSHEN DRIVE MOSCOW, TN 38057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $83 | $75 | $158 | 0.57% |
| INSPIRED INC3 | 50 LAGOSHEN DRIVE MOSCOW, TN 38057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | $46 | $121 | 0.44% |
| E B SPECIALISTS INC3 | 15488 RIDGE ROAD NINDE, VA 22526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 0.23% |
| GREG W WOOLLEY3 | 15492 CLIFFVIEW DRIVE MONTCLAIR, VA 22026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $13 | $43 | 0.16% |
| COLLEEN A VOGAN3 | 5018 COBBLESTONE COURT ELLICOTT CITY, MD 21043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| TANYA WISHARD3 | PO BOX 307 CODORUS, PA 17311 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| PAMELA GREGG3 | 15001 SAINT THOMAS CHURCH ROAD UPPER MARLBORO, MD 20772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| MICHAEL FAULKNER OLIVER3 | 9423 LONGS MILL ROAD ROCKY RIDGE, MD 21778 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| EMLYN MARSTELLER IV3 | 412 SUGARLAND MEADOW DRIVE HERNDON, VA 20170 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| JULIE LIGGETT BAILEY3 | 44114 NATALIE TERRACE ASHBURN, VA 20147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| BROOKE HARMON3 | 70 HENRY LIVINGSTON ROAD POMARIA, SC 29126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.01% |
| INNOVATIVE INSURANCE SOLUTIONS LLC3 Filed as: INNOVATIVE INSURANCE SOLUTIONS, LLC | 1 BARRINGTON PLACE SUITE 102 BEL AIR, MD 21014 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 25.37% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $215 | — | $215 | 2.48% |
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 | 246 | 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) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 162 | $724K |
| Vision | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 162 | $724K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 252 | $67K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 42 | $28K |
| Prescription drug | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 162 | $724K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 252 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.