| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BECKER BENEFIT GROUP INC3 | 11000 OWINGS MILLS BOULEVARD OWINGS MILLS, MD 21117 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.32% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES | 6 NORTH PARK DRIVE SUITE 310 COCKEYSVILLE, MD 21030 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.00% |
| FINANCIAL BALANCE GROUP LLC3 | 1901 RESEARCH BOULEVARD SUITE 400 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $27 | — | $27 | 0.05% |
| BECKER BENEFIT GROUP INC3 Filed as: BECKER BENEFIT GROUP, INC. | 11000 OWINGS MILLS BOULEVARD SUITE 6A OWINGS MILLS, MD 21117 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 13.09% |
| MATTHEW D DIPASQUALE3 | 403 SOUTH EAST AVENUE BALTIMORE, MD 21224 | AFLAC | $997 | — | $997 | 4.61% |
| HOWARD D GOLDMAN3 Filed as: HOWARD D GOLDMANN III | 10 CROSSROADS DRIVE SUITE 106 OWINGS MILLS, MD 21117 | AFLAC | $808 | — | $808 | 3.74% |
| LINDSAY DIPASQUALE3 | 1202 JOMAT DRIVE JOPPA, MD 21085 | AFLAC | $562 | — | $562 | 2.60% |
| STEPHEN J SALAMON3 | PO BOX 4252 TIMONIUM, MD 21094 | AFLAC | $213 | — | $213 | 0.99% |
| MICHAEL C WALKER3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $210 | — | $210 | 0.97% |
| JASON ALLAN BARE3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $167 | — | $167 | 0.77% |
| JULIA M SALAMON3 | PO BOX 4252 TIMONIUM, MD 21094 | AFLAC | $137 | — | $137 | 0.63% |
| LEILA RAPPAPORT3 | 123 MENDEL COURT BEAR, DE 19701 | AFLAC | $89 | — | $89 | 0.41% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $62 | — | $62 | 0.29% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFITS GROUP LL | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $32 | — | $32 | 0.15% |
| DAVID MORNINGSTAR3 | 11275 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $11 | — | $11 | 0.05% |
| BECKER BENEFIT GROUP INC3 Filed as: BECKER BENEFIT GROUP | 11000 OWINGS MILLS BOULEVARD SUITE 6A OWINGS MILLS, MD 21117 | VISION SERVICE PLAN | $680 | $14 | $694 | 8.07% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $53K |
| Vision | VISION SERVICE PLAN | 104 | $9K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 434 | $51K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 434 | $51K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 181 | $186K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 434 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 434 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.