| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS COUNSELMAN MICHAELS DOWNES | 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | UNUM LIFE INSURANCE COMPANY | $25K | $6K | $31K | 3.15% |
| CORNERSTONE FINANCIAL LLP3 Filed as: CORNERSTONE FINANCIAL, LLP | 1 EAST FRANKNLIN STREET, SUITE 300 BALTIMORE, MD 21202 | UNUM LIFE INSURANCE COMPANY | $25K | $4K | $29K | 2.90% |
| MGFS INSURANCE BROKERAGE INC3 Filed as: MGFS INSURANCE BROKERAGE, INC. | 161 WORCESTER ROAD, SUITE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY | $17K | — | $17K | 1.77% |
| MICHAEL C WALKER3 Filed as: MICHAEL C. WALKER AND OTHER AGENTS | 203 MARKET STREET, SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $2K | $26 | $2K | 3.12% |
| STEPHEN J SALAMON3 Filed as: STEPHEN J. SALAMON | PO BOX 4252 TIMONIUM, MD 21094 | AFLAC | $1K | — | $1K | 2.07% |
| WESLEY K JOHNSON II3 Filed as: WESLEY K. JOHNSON II | 8 REED CIRCLE RISING SUN, MD 21911 | AFLAC | $1K | $155 | $1K | 1.75% |
| AUTUMN STROHMAIER3 Filed as: AUTUMN STOMHMAIER | 254 CHAPMAN ROAD, SUITE 203 NEWARK, DE 19702 | AFLAC | $1K | — | $1K | 1.75% |
| JASON ALLAN BARE3 | 203 MARKET STREET, SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $960 | $23 | $983 | 1.40% |
| SUSAN L MCCLANE3 Filed as: SUSAN L. MCCLANE | 555 CONCORD STREET, SUITE D HAVRE DE GRACE, MD 21078 | AFLAC | $686 | — | $686 | 0.98% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFITS GROUP, LLC | 203 MARKET STREET, SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $651 | — | $651 | 0.93% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS COUNSELMAN MICHAELS DOWNES | 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | METROPOLITAN LIFE INSURANCE COMPANY | $46 | $36 | $82 | 14.83% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 S. CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $13 | $12 | $25 | 4.52% |
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 | 1,438 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 42 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,487 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 2,908 | $981K |
| Vision | VISION SERVICE PLAN | 1,173 | $124K |
| Life insurance | UNUM LIFE INSURANCE COMPANY | 1,438 | $986K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 1,438 | $986K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY | 1,438 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,908 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.