| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT HEALTH ADVISOR3 | 9605 SOUTH KINGSTON COURT SUITE 150 ENGLEWOOD, CO 80112 | STANDARD LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 4.00% |
| BECKER BENEFIT GROUP INC3 | 6080 FALLS ROAD SUITE 201 BALTIMORE, MD 21209 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.37% |
| 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 | $1K | — | $1K | 2.53% |
| FINANCIAL BALANCE GROUP LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1 | — | $1 | 0.00% |
| BECKER BENEFIT GROUP INC3 Filed as: BECKER BENEFIT GROUP, INC. | 6080 FALLS ROAD SUITE 201 BALTIMORE, MD 21209 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 15.36% |
| MATTHEW D DIPASQUALE3 | 403 SOUTH EAST AVENUE BALTIMORE, MD 21224 | AFLAC | $736 | — | $736 | 4.09% |
| HOWARD D GOLDMAN3 Filed as: HOWARD D GOLDMANN III | 10 CROSSROADS DRIVE SUITE 106 OWINGS MILLS, MD 21117 | AFLAC | $519 | — | $519 | 2.88% |
| LINDSAY DIPASQUALE3 | 1202 JOMAT DRIVE JOPPA, MD 21085 | AFLAC | $254 | — | $254 | 1.41% |
| STEPHEN J SALAMON3 | PO BOX 4252 TIMONIUM, MD 21094 | AFLAC | $158 | — | $158 | 0.88% |
| MICHAEL C WALKER3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $141 | — | $141 | 0.78% |
| JASON ALLAN BARE3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $130 | — | $130 | 0.72% |
| JULIA M SALAMON3 | PO BOX 4252 TIMONIUM, MD 21094 | AFLAC | $97 | — | $97 | 0.54% |
| LEILA RAPPAPORT3 | 123 MENDEL COURT BEAR, DE 19701 | AFLAC | $58 | — | $58 | 0.32% |
| JORDAN A PURCELL3 | 301 VICTORY GALLOP COURT HAVRE DE GRACE, MD 21076 | AFLAC | $50 | — | $50 | 0.28% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $35 | — | $35 | 0.19% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFITS GROUP LL | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $28 | — | $28 | 0.16% |
| JASON D ELLIS3 | 203 MARKET STRRET SUITE 210 HAVRE DE GRACE, DC 21078 | AFLAC | $18 | — | $18 | 0.10% |
| MICHAEL EDWARD RISKA3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $18 | — | $18 | 0.10% |
| DAVID MORNINGSTAR3 | 11275 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $12 | — | $12 | 0.07% |
| JEREMY A FELDMAN3 | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $2 | — | $2 | 0.01% |
| HILARY RADOLEC3 | 4801 FAIRMONT AVENUE APARTMENT BETHESDA, MD 20814 | AFLAC | $2 | — | $2 | 0.01% |
| BECKER BENEFIT GROUP INC3 Filed as: BECKER BENEFIT GROUP | 6080 FALLS ROAD SUITE 201 BALTIMORE, MD 21209 | VISION SERVICE PLAN | $684 | — | $684 | 7.88% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 116 | $51K |
| Vision | VISION SERVICE PLAN | 95 | $9K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 197 | $42K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 197 | $42K |
| Stop-loss / reinsurancereinsurance | STANDARD LIFE & ACCIDENT INSURANCE COMPANY | 104 | $151K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 197 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.