| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | UNITED HEALTHCARE INSURANCE COMPANY | $692 | $42K | $43K | 5.14% |
| ASSUREDPARTNERS3 Filed as: JENNIFER STEVENS | 2623 FALLSTON ROAD FALLSTON, MD 21047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 6.14% |
| TRACEY MATZ3 | 2036 MARDIC DRIVE FOREST HILL, MD 21050 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 2.41% |
| JEFFREY MOTSCO3 | 15612 LINDEN GROVE LANE WOODBINE, MD 21797 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $811 | $86 | $897 | 0.82% |
| JEANENE MOTSCO3 | 15612 LINDEN GROVE LANE WOODBINE, MD 21797 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $226 | $35 | $261 | 0.24% |
| DICE INSURANCE INC3 | 5219 CASENTINO COURT MYRTLE BEACH, SC 29579 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $167 | — | $167 | 0.15% |
| DOUGLAS A D'ASCOLI3 Filed as: DOUGLAS D'ASCOLI | 35710 CLAMSHELL CIR SELBYVILLE, DE 19975 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 0.04% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $291 | $5K | 7.43% |
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 | 523 | 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) | 523 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 141 | $939K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 523 | $61K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 141 | $830K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 523 | $61K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 123 | $109K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 523 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 523 | — |
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.