| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS INC | 6 N PARK DR STE 310 HUNT VALLEY, MD 21030 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | $47K | $50K | 3.10% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | UNITED HEALTHCARE INSURANCE COMPANY | — | $3K | $3K | 0.18% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P. O. BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | — | $3K | 7.34% |
| MADS INSURANCE AGENCY3 Filed as: MADS INSURANCE AGENCY INC. | 7 STATE CIRCLE #301 ANNAPOLIS, MD 21401 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 4.99% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD HUNT VALLEY, MD 21031 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 4.88% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD STE 500 HUNT VALLEY, MD 21031 | AMERICAN FIDELITY ASSURANCE COMPANY | $8 | — | $8 | 0.02% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE CO. | P.O. BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 5.53% |
| MADS INSURANCE AGENCY3 | 7 STATE CIRCLE #301 ANNAPOLIS, MD 21401 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 4.61% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD STE 500 HUNT VALLEY, MD 21031 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 4.30% |
| MADS INSURANCE AGENCY3 Filed as: MADS INSURANCE AGENCY INC. | 7 STATE CIRCLE #301 ANNAPOLIS, MD 21031 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 4.98% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD STE 500 HUNT VALLEY, MD 21031 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 4.42% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 4.34% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD STE 500 HUNT VALLEY, MD 21031 | AMERICAN FIDELITY ASSURANCE COMPANY | $117 | — | $117 | 0.41% |
| WANADA BUSINESS SERVICES CORP.3 Filed as: WANADA BUSINESS SERVICES CORP | C/O JOHN O'DONNELL WASHINGTON, DC 20015 | AMERICAN FIDELITY ASSURANCE COMPANY | $27 | — | $27 | 0.10% |
| MADS INSURANCE AGENCY3 | 7 STATE CIRCLE #301 ANNAPOLIS, MD 21401 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 5.00% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 4.98% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 4.68% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD STE 500 HUNT VALLEY, MD 21031 | UNITED HEALTHCARE INSURANCE COMPANY | $429 | — | $429 | 4.35% |
| MADS INSURANCE AGENCY3 | 7 STATE CIRCLE #301 ANNAPOLIS, MD 21401 | AMERICAN FIDELITY ASSURANCE COMPANY | $87 | — | $87 | 4.98% |
| PSA FINANCIAL, INC.3 Filed as: PSA FINANCIAL INC | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | AMERICAN FIDELITY ASSURANCE COMPANY | $80 | — | $80 | 4.58% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD STE 500 HUNT VALLEY, MD 21031 | AMERICAN FIDELITY ASSURANCE COMPANY | $7 | — | $7 | 0.40% |
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 | 263 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 145 | $1.8M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 145 | $1.6M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 145 | $1.6M |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 184 | $10K |
| Short-term disability(4 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 24 | $136K |
| Long-term disability(5 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 24 | $138K |
| Other(5 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 184 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.