| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS ARCHITECTS LLC3 Filed as: EMPLOYEE BENEFITS ARCHITECTS, LLC | 1 BARRINGTON PLACE SUITE 102 BEL AIR, MD 21014 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | $216K | $10K | $226K | 27.41% |
| AMWINS5 Filed as: AMWINS CONNECT ADMINISTRATORS, INC. | 6 NORTH PARK DRIVE, S 310 HUNT VALLEY, MD 21030 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | — | $23K | $23K | 2.80% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS, INC. | 11350 MCCORMICK ROAD SPARKS EXECUTIVE PLAZA 4 STE 400 HUNT VALLEY, MD 21031 | HARTFORD LIFE AND ACCIDENT | $6K | $5K | $11K | 18.04% |
| INNOVATIVE INSURANCE SOLUTIONS LLC3 Filed as: INNOVATIVE INSURANCE SOLUTIONS | PO BOX 276 FOREST HILL, MD 21050 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $246 | $6K | 15.02% |
| MULLANEY ENTERPRISES LLC3 | 5501 TWIN KNOLLS RD STE 106 COLUMBIA, MD 21045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $4K | 9.57% |
| GUSTAVO TODE3 | 20607 DUCK POND PL GERMANTOWN, MD 20874 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $219 | $2K | 5.82% |
| BROOKE HARMON3 | 70 HENRY LIVINGSTON RD POMARIA, SC 29126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $755 | $380 | $1K | 3.04% |
| E B SPECIALISTS INC3 | 15488 RIDGE RD NINDE, VA 22526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | $669 | $745 | 2.00% |
| ARTURO BANUELOS3 | 1140 MADISON VIEW DR APT 208 FOREST, VA 24551 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $562 | $71 | $633 | 1.70% |
| ERNESTO MCKENZIE JR3 | 9210 TOMS TRL LAUREL, MD 20723 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $505 | — | $505 | 1.35% |
| GREG W WOOLLEY3 | 15492 CLIFFVIEW DRIVE MONTCLAIR, VA 22025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | $29 | $109 | 0.29% |
| INSPIRED INC3 | 50 LAGOSHEN DRIVE MOSOW, TN 38057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.07% |
| ASHLEY SIMPSON GOINS3 | 165 PRICHETT FARM RD DRY FORK, VA 24549 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| TRACY DEAN VIA3 | 103 WOOD ST MARTINSVILLE, VA 24112 | 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% |
| COLLEEN A VOGAN3 | 5018 COBBLE STONE CT ELLICOTT CITY, MD 21043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| PAMELA GREGG3 | 15001 SAINT THOMAS CHURCH RD UPPER MARLBORO, MD 20772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| EMLYN MARSTELLER IV3 | 412 SUGARLAND MEADOW DR HERNDON, VA 20170 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $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 | $406 | — | $406 | 6.28% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET ST SUITE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $17 | — | $17 | 0.26% |
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 | 242 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 168 | $825K |
| Vision | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 168 | $825K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 260 | $69K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 84 | $37K |
| Prescription drug | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 168 | $825K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 260 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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.