| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ISI OF MARYLAND LLC3 | 170 JENNIFER RD STE 130 ANNAPOLIS, MD 214013064 | UNITEDHEALTHCARE INSURANCE COMPANY | $25K | $0 | $25K | 3.78% |
| JON S FRANK & ASSOCIATES INC3 | 205 WEST DARES BEACH ROAD PRINCE FREDERICK, MD 206783123 | UNITEDHEALTHCARE INSURANCE COMPANY | -$16 | $0 | -$16 | -0.00% |
| MULLANEY ENTERPRISES LLC3 | 5850 WATERLOO RD COLUMBIA, MD 21043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 8.78% |
| ISI OF MARYLAND LLC3 | 205 WEST DARES BEACH ROAD PRINCE FREDERICK, MD 20678 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 8.17% |
| JEFFREY LEE LASKO3 | 218 POLARIS DRIVE WALKERSVILLE, MD 21793 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $204 | $4K | 5.53% |
| MICHELLE ELAINE HILL3 | 14228 BRIARWOOD TERRACE ROCKVILLE, MD 20853 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $695 | $0 | $695 | 1.09% |
| LINDA S SHINN3 | 317 CHURCH ST PADEN CITY, WV 26159 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $356 | $0 | $356 | 0.56% |
| TERESA D'ASCOLI3 | 16905 VINE COURT OLNEY, MD 20832 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $204 | $0 | $204 | 0.32% |
| JOHN E CUMMINGS3 | 204 QUAYSIDE CIR #501 MAITLAND, FL 32751 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | $0 | $43 | 0.07% |
| PAMELA GREGG3 | 15001 SAINT THOMAS CHURCH RD UPPER MARLBORO, MD 20772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.02% |
| ISI OF MARYLAND LLC3 | 170 JENNIFER ROAD SUITE 130 ANNAPOLIS, MD 21401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.46% |
| BENEFITMALL3 | 501 FAIRMOUNT AVE 400 TOWSON, MD 21286 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $649 | $649 | 3.00% |
| ISI OF MARYLAND LLC3 | 170 JENNIFER ROAD SUITE 130 ANNAPOLIS, MD 21401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $124 | $0 | $124 | 10.02% |
| BENEFITMALL3 | 501 FAIRMOUNT AVE 400 TOWSON, MD 21286 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $37 | $37 | 2.99% |
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 | 140 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 133 | $672K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 133 | $672K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 133 | $672K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 140 | $22K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 133 | $672K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 140 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.