| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RCM AND D3 | 555 FAIRMONT AVENUE BALTIMORE, MD 21286 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $6K | $30K | 2.70% |
| CORNERSTONE FINANCIAL LLP3 | 1 EAST FRANKLIN STREET, SUITE 300 BALTIMORE, MD 21202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $4K | $27K | 2.48% |
| MGFS INSURANCE BROKERAGE INC3 Filed as: MGFS INSURANCE BROKERAGE INC. | 161 WORCESTER ROAD, SUITE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 0.30% |
| MJ INSURANCE3 Filed as: MICHAEL C WALKER AND VARIOUS AGENTS | 203 MARKET STREET, SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $2K | $157 | $2K | 3.89% |
| STEPHEN J SALAMON3 | PO BOX 4252 TIMONIUM, MD 21094 | AFLAC | $901 | $0 | $901 | 1.66% |
| WESLEY K JOHNSON II3 | 8 REED CIRCLE RISING SUN, MD 21911 | AFLAC | $650 | $150 | $800 | 1.47% |
| JASON ALLAN BARE3 | 203 MARKET STREET, SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $651 | $44 | $695 | 1.28% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFITS GROUP, LLC | 203 MARKET STREET, SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $628 | $0 | $628 | 1.15% |
| AUTUMN STROHMAIER3 | 16 COLORA SCHOOL ROAD COLORA, MD 21917 | AFLAC | $432 | $0 | $432 | 0.79% |
| SUSAN L MCCLANE3 | 230 WEST CLAIBORNE ROAD APARTMENT 201 NORTH EAST, MD 21901 | AFLAC | $431 | $0 | $431 | 0.79% |
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 | 1,485 | 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) | 1,485 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 2,728 | $878K |
| Vision | VISION SERVICE PLAN | 1,146 | $125K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,485 | $1.1M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,485 | $1.1M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,485 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,728 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.