| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JON S FRANK & ASSOCIATES INC3 Filed as: JON S. FRANK & ASSOCIATES | 205 WEST DARES BEACH ROAD PRINCE FREDERICK, MD 206783123 | UNITEDHEALTHCARE INSURANCE COMPANY | $30K | $0 | $30K | 3.77% |
| ISI OF MARYLAND LLC3 | DBA INSURANCE SOLUTIONS 205 WEST DARES BEACH ROAD PRINCE FREDERICK, MD 20678 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $0 | $9K | 11.18% |
| MICHELLE ELAINE HILL3 | 14228 BRIARWOOD TERRACE ROCKVILLE, MD 20853 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $3K | $8K | 10.95% |
| JEFFREY LEE LASKO3 | 218 POLARIS DRIVE WALKERSVILLE, MD 21793 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $1K | $7K | 9.18% |
| MULLANEY ENTERPRISES LLC3 | 5850 WATERLOO RD COLUMBIA, MD 21043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $887 | $4K | 4.68% |
| JON S FRANK & ASSOCIATES INC3 | 205 WEST DARES BEACH ROAD PRINCE FREDERICK, MD 20678 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 3.41% |
| LINDA S SHINN3 | 317 CHURCH ST PADEN CITY, WV 26159 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $76 | $1K | 1.77% |
| JOHN E CUMMINGS3 | P.O. BOX 5936 GLEN ALLEN, VA 23058 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $708 | $331 | $1K | 1.35% |
| TERESA D'ASCOLI3 | 16905 VINE COURT OLNEY, MD 20832 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $608 | $0 | $608 | 0.79% |
| PAMELA GREGG3 | 15001 SAINT THOMAS CHURCH RD UPPER MARLBORO, ME 20772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $169 | $3 | $172 | 0.22% |
| TIMOTHY SHILEY3 | 4779 SAINT MARKS RD JEFFERSON, MD 21755 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | $0 | $59 | 0.08% |
| KIMBERLY FERGUSON3 | 4059 LOMAR DRIVE MT AIRY, MD 21771 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $2 | $5 | 0.01% |
| ISI OF MARYLAND LLC3 | 205 WEST DARES BEACH ROAD PRINCE FREDERICK, MD 20678 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.40% |
| BENEFITMALL3 | 501 FAIRMOUNT AVE 400 TOWSON, MD 21286 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $349 | $349 | 3.00% |
| JON S FRANK & ASSOCIATES INC3 Filed as: JON S FRANK & ASSOC | 205 WEST DARES BEACH ROAD PRINCE FREDERICK, MD 20678 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $986 | $0 | $986 | 20.00% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMINISTRATORS | 501 FAIRMOUNT AVE, # 400 TOWSON, MD 21284 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $99 | $99 | 2.01% |
| JON S FRANK & ASSOCIATES INC3 Filed as: JON S. FRANKS & ASSOCIATES, INC. | 205 WEST DARES BEACH ROAD PRINCE FEDERICK, MD 206783123 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $249 | $0 | $249 | 15.01% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMINISTRATIVE SERV | 501 FAIRMOUNT AVENUE, SUITE 400 TOWSON, MD 212865460 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $33 | $33 | 1.99% |
| ISI OF MARYLAND LLC3 | 205 WEST DARES BEACH ROAD PRINCE FREDERICK, MD 20678 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $63 | $0 | $63 | 9.92% |
| BENEFITMALL3 | 501 FAIRMOUNT AVE 400 TOWSON, MD 21286 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $19 | $19 | 2.99% |
| JON S FRANK & ASSOCIATES INC3 Filed as: JON S FRANK & ASSOCIATES | 205 WEST DARES BEACH ROAD PRINCE FREDERICK, MD 20678 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $35 | $0 | $35 | 19.89% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMIN SERV INC. | 501 FAIRMOUNT AVE # 400 TOWSON, MD 21284 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4 | $4 | 2.27% |
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 | 149 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 149 | $788K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 149 | $788K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 149 | $788K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 140 | $13K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 149 | $788K |
| Other(6 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 140 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.