| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ISI OF MARYLAND LLC3 Filed as: ISI OF MARYLAND, LLC | 170 JENNIFER RD., STE. 130 ANNAPOLIS, MD 21401 | AETNA LIFE INSURANCE COMPANY | $0 | $18K | $18K | 2.82% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY AND ASSOCIATES INSURANCE | 1 KELLY WAY SPARKS, MD 21152 | AETNA LIFE INSURANCE COMPANY | $12K | — | $12K | 1.88% |
| MULLANEY ENTERPRISES LLC3 | 5501 TWIN KNOLLS ROAD COLUMBIA, MD 21045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $3K | $8K | 8.49% |
| ISI OF MARYLAND LLC3 | 205 WEST DARES BEACH RD PRINCE FREDERICK, MD 20678 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 7.05% |
| COLLEEN A VOGAN3 | 5018 COBBLESTONE COURT ELLICOTT CITY, MD 21043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $246 | $2K | 2.36% |
| JEFFREY LEE LASKO3 | 218 POLARIS DRIVE WALKERSVILLE, MD 21793 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $741 | — | $741 | 0.79% |
| MICHELLE ELAINE HILL3 | 14228 BRIARWOOD TERRACE ROCKVILLE, MD 20853 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $704 | — | $704 | 0.75% |
| ROBERT VONGUNTEN3 | 10341 WOODSBORO RD WOODSBORO, MD 21798 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $364 | $46 | $410 | 0.44% |
| LINDA S SHINN3 | 317 CHURCH ST PADEN CITY, WV 26159 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $364 | — | $364 | 0.39% |
| DONNA ROSS SMITH3 | 2632 JUDES FERRY RD POWHATAN, VA 23139 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $351 | $5 | $356 | 0.38% |
| DOUGLAS A D'ASCOLI3 | 35710 CLAMSHELL CIR SELBYVILLE, DE 19975 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $212 | — | $212 | 0.23% |
| GREG W WOOLLEY3 | 15492 CLIFFVIEW DR MONTCLAIR, VA 22026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $167 | — | $167 | 0.18% |
| EMLYN MARSTELLER IV3 | 412 SUGARLAND MEADOW DRIVE HERNDON, VA 20170 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $117 | — | $117 | 0.12% |
| LISA JEANNE WILSON3 | 1022 NABBS CREEK RD GLEN BURNIE, MD 21060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | — | $62 | 0.07% |
| PAMELA GREGG3 Filed as: PAMELA GREG | 15001 SAINT THOMAS CHURCH RD. UPPER MARLBORO, MD 20772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | $2 | $52 | 0.06% |
| JOHN E CUMMINGS3 | 204 QUAYSIDE CIR #501 MAITLAND, FL 32751 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 0.05% |
| KIMBERLY FERGUSON3 | 168 RIDGEWOOD DRIVE OAKLAND, MD 21550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $4 | $31 | 0.03% |
| JENNIFER ANN BARRETT3 | 10301 BREAKWATER COURT OCEAN CITY, MD 21842 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $3 | $8 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GEORGE TERRANCE BARRETT | 10301 BREAKWATER COURT OCEAN CITY, MD 21842 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $2 | $7 | 0.01% |
| ISI OF MARYLAND LLC3 | 170 JENNIFER RD., STE. 130 ANNAPOLIS, MD 21401 | CAREFIRST OF MARYLAND, INC. | $3K | $2K | $5K | 9.24% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | CAREFIRST OF MARYLAND, INC. | $0 | $2K | $2K | 3.90% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $2K | $2K | 6.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND, LLC | 118 EDENDERRY AVE CENTERVILLE, MD 21617 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $130 | — | $130 | 11.98% |
| KELLY & ASSOCIATES INSURANCE GROUP5 | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $65 | $65 | 5.99% |
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 | 129 | 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) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 91 | $622K |
| Dental | CAREFIRST OF MARYLAND, INC. | 184 | $50K |
| Vision | CAREFIRST OF MARYLAND, INC. | 184 | $50K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 129 | $37K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 129 | $132K |
| 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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.