| 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 | $31K | $11K | $41K | 3.43% |
| CORNERSTONE FINANCIAL LLP3 | 1 EAST FRANKLIN STREET, SUITE 300 BALTIMORE, MD 21202 | UNUM LIFE INSURANCE COMPANY | $31K | $5K | $35K | 2.90% |
| MGFS INSURANCE BROKERAGE INC3 Filed as: MGFS INSURANCE BROKERAGE, INC. | 161 WORCESTER ROAD, SUITE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY | $21K | $0 | $21K | 1.75% |
| MJ INSURANCE3 Filed as: MICHAEL C WALKER AND VARIOUS AGENTS | 203 MARKET STREET, SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $2K | $193 | $2K | 4.03% |
| WESLEY K JOHNSON II3 Filed as: WESLEY K. JOHNSON II | 8 REED CIRCLE RISING SUN, MD 21911 | AFLAC | $2K | $87 | $2K | 2.77% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET, SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $1K | $0 | $1K | 1.82% |
| STEPHEN J SALAMON3 Filed as: STEPHEN J. SALAMON | PO BOX 4252 TIMONIUM, MD 21094 | AFLAC | $1K | $0 | $1K | 1.70% |
| JASON ALLAN BARE3 | 203 MARKET STREET, SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $909 | $27 | $936 | 1.54% |
| AUTUMN STROHMAIER3 | 176 SOUTH SHORE ROAD ELKTON, MD 21921 | AFLAC | $912 | $0 | $912 | 1.50% |
| SUSAN L MCCLANE3 Filed as: SUSAN L. MCCLANE | 555 CONCORD STREET, UNIT D HAVRE DE GRACE, MD 21078 | AFLAC | $593 | $0 | $593 | 0.97% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS COUNSELMAN MICHAELS DOWNES | 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | METROPOLITAN LIFE INSURANCE COMPANY | $81 | -$4 | $77 | 7.87% |
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 | 1,458 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 61 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,536 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 2,879 | $976K |
| Vision | VISION SERVICE PLAN | 1,171 | $123K |
| Life insurance | UNUM LIFE INSURANCE COMPANY | 1,458 | $1.2M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 1,458 | $1.2M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY | 1,458 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,879 | — |
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."
No prospect flags tripped on this filing.