| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 540 FORT EVANS RD NE. SUITE 301 LEESBURG, VA 20176 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | $4K | $59K | $63K | 3.82% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS INC | 6 N PARK DR STE 310 HUNT VALLEY, MD 21030 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | — | $18K | $18K | 1.08% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | $357 | $4K | $4K | 0.24% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND DBA PSA | 11311 MCCORMICK ROAD STE 500 HUNT VALLEY, MD 21031 | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | — | $3K | 4.94% |
| MADS INSURANCE AGENCY3 Filed as: MADS INSURANCE AGENCY INC. | 7 STATE CIRCLE #301 ANNAPOLIS, MD 21401 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 4.67% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P. O. BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 3.01% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND DBA PSA | 11311 MCCORMICK ROAD STE 500 HUNT VALLEY, MD 21031 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 4.81% |
| MADS INSURANCE AGENCY3 | 7 STATE CIRCLE #301 ANNAPOLIS, MD 21401 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 4.51% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE CO. | P.O. BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 4.02% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $4K | — | $4K | 13.73% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND DBA PSA | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 5.00% |
| MADS INSURANCE AGENCY3 | 7 STATE CIRCLE #301 ANNAPOLIS, MD 21401 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 4.89% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD STE 500 HUNT VALLEY, MD 21031 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 13.00% |
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 | 193 | 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) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 142 | $1.7M |
| Dental | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 142 | $1.7M |
| Vision | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 142 | $1.7M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 193 | $8K |
| Short-term disability(3 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 28 | $128K |
| Long-term disability(3 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 28 | $128K |
| Prescription drug | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 142 | $1.7M |
| Other(4 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 193 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.
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.