| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 8.12% |
| ACRISURE LLC3 Filed as: ACRISURE MID-ATLANTIC PARTNERS | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.27% |
| WADE F KAUFFMAN3 Filed as: WADE FRANKLIN KAUFFMAN | 8037 FOXTAIL LANE GLEN BURNIE, MD 21061 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 8.47% |
| GEORGE A TROCKI3 | 221 PROSPECT CIRCLE SHREWSBURY, PA 17361 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 5.62% |
| ROBERT L SONKEN3 | 15925 GREEN MEADOW ROAD DARNESTOWN, MD 20878 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $266 | — | $266 | 0.93% |
| TROCKI BENEFIT GROUP INC3 | PO BOX 1124 SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $247 | — | $247 | 0.87% |
| DONNA GELHARD3 | 3926 TIDEWOOD ROAD BALTIMORE, MD 21220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $192 | — | $192 | 0.67% |
| MATTHEW D DIPASQUALE3 Filed as: MATTHEW VALCICH | 6216 EASTERN AVENUE BALTIMORE, MD 21224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $188 | — | $188 | 0.66% |
| CRYSTAL HIPPS3 | 534 BETTY LANE COLUMBIA, PA 17512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $134 | — | $134 | 0.47% |
| CRAIG M NICKEL3 | 8 CROSS FALLS CIRCLE SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | — | $26 | 0.09% |
| AMY JO SHANAMAN3 | 84 MAIN STREET PO BOX 71 STRAUSSTOWN, PA 19559 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.04% |
| DONALD MCCOURT COWAN3 | 8 LAZY HOLLOW WAY GAITERSBURG, MD 20878 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| DAVID BOWEN3 | 1666 CRAIN HIGHWAY SOUTH GLEN BURNIE, MD 21061 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| GEORGE A TROCKI3 Filed as: GEORGE TROCKI | 221 PROSPECT CIRCLE SHREWSBURY, PA 17361 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $933 | — | $933 | 5.30% |
| MATTHEW D DIPASQUALE3 Filed as: MATTHEW VALCICH | 6216 EASTERN AVENUE BALTIMORE, MD 21224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $187 | — | $187 | 1.06% |
| ROBERT L SONKEN3 | 15925 GREEN MEADOW ROAD DARNESTOWN, MD 20878 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $176 | — | $176 | 1.00% |
| TROCKI BENEFIT GROUP INC3 | PO BOX 775 SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $144 | — | $144 | 0.82% |
| CRYSTAL HIPPS3 | 534 BETTY LANE COLUMBIA, PA 17512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $84 | — | $84 | 0.48% |
| DONNA GELHARD3 | 3926 TIDEWOOD ROAD BALTIMORE, MD 21220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | — | $25 | 0.14% |
| GEORGE A TROCKI3 | PO BOX 7775 SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $138 | — | $138 | 1.02% |
| TROCKI BENEFIT GROUP INC3 | PO BOX 775 SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $76 | — | $76 | 0.56% |
| ROBERT L SONKEN3 | 15925 GREEN MEADOW ROAD DARNESTOWN, MD 20878 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | — | $26 | 0.19% |
| DONNA GELHARD3 | 3926 TIDEWOOD ROAD BALTIMORE, MD 21220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | — | $25 | 0.18% |
| MATTHEW D DIPASQUALE3 Filed as: MATTHEW VALCICH | 6216 EASTERN AVENUE BALTIMORE, MD 21224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.10% |
| CRYSTAL HIPPS3 | 534 BETTY LANE COLUMBIA, PA 17512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.07% |
| GEORGE A TROCKI3 | PO BOX 775 SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 1.08% |
| TROCKI BENEFIT GROUP INC3 | PO BOX 1124 SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.86% |
| GEORGE A TROCKI3 Filed as: GEORGE TROCKI | PO BOX 775 SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 1.91% |
| DONNA GELHARD3 | 3926 TIDEWOOD ROAD BALTIMORE, MD 21220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 1.44% |
| CRYSTAL HIPPS3 | 534 BETTY LANE COLUMBIA, PA 17512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.24% |
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 | 240 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 90 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 90 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 420 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 280 | $143K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 280 | $143K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 280 | $157K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 140 | $54K |
| Other(5 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 280 | $192K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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.