| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | $5K | $98K | $103K | 5.58% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS INC | 6 N PARK DR STE 310 HUNT VALLEY, MD 21030 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | — | $27K | $27K | 1.44% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE CO. | P.O. BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $4K | — | $4K | 9.28% |
| MADS INSURANCE AGENCY3 | 7 STATE CIRCLE #301 ANNAPOLIS, MD 21401 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 4.78% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB OF MARYLAND | 11311 MCCORMICK ROAD STE 500 HUNT VALLEY, MD 21031 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 4.74% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P. O. BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $7K | — | $7K | 17.76% |
| MADS INSURANCE AGENCY3 Filed as: MADS INSURANCE AGENCY INC. | 7 STATE CIRCLE #301 ANNAPOLIS, MD 21401 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 5.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 11311 MCCORMICK ROAD STE 500 HUNT VALLEY, MD 21031 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 4.93% |
| MADS INSURANCE AGENCY3 Filed as: MADS INSURANCE AGENCY INC. | 7 STATE CIRCLE #301 ANNAPOLIS, MD 21031 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 5.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 11311 MCCORMICK ROAD STE 500 HUNT VALLEY, MD 21031 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 4.90% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 10.16% |
| MADS INSURANCE AGENCY3 | 7 STATE CIRCLE #301 ANNAPOLIS, MD 21401 | AMERICAN FIDELITY ASSURANCE COMPANY | $892 | — | $892 | 5.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | AMERICAN FIDELITY ASSURANCE COMPANY | $892 | — | $892 | 5.00% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD STE 500 HUNT VALLEY, MD 21031 | UNITED HEALTHCARE INSURANCE COMPANY | $785 | — | $785 | 6.80% |
| MADS INSURANCE AGENCY3 | 7 STATE CIRCLE #301 ANNAPOLIS, MD 21401 | AMERICAN FIDELITY ASSURANCE COMPANY | $7 | — | $7 | 4.79% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | AMERICAN FIDELITY ASSURANCE COMPANY | $7 | — | $7 | 4.79% |
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 | 198 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 142 | $2.0M |
| Dental | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 142 | $1.8M |
| Vision | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 142 | $1.8M |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 179 | $12K |
| Short-term disability(4 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 23 | $124K |
| Long-term disability(5 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 23 | $124K |
| Prescription drug | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 142 | $1.8M |
| Other(5 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 179 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.