| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: BENEFIT PARTNERS ALLIANT INC | 6550 ROCK SPRING DRIVE SUITE 610 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $118K | $118K | 5.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: BENEFIT PARTNERS - ALLIANT INC | 701 B ST FL 4 SAN DIEGO, CA 921018156 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $71 | $12K | 10.10% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE | 6550 ROCK SPRING DR SUITE 610 BETHESDA, MD 20817 | CIGNA GROUP INSURANCE | $7K | $0 | $7K | 6.09% |
| DICE INSURANCE INC3 | 38 BELMORE RD LUTHERVILLE, MD 21093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $374 | $0 | $374 | 2.83% |
| TRACEY MATZ3 | 2036 MARDIC DRIVE FOREST HILL, MD 21050 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | $0 | $97 | 0.73% |
| NATIONAL TREASURY EMPLOYEES UNION8 | 1750 H STREET NW WASINGTON, DC 20006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $0 | $28 | 0.21% |
| BOBBY JACKSON3 | 19 TOMBER CT BALTIMORE, MD 21207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $0 | $25 | 0.19% |
| LAMM INSURANCE CENTER, INC.3 Filed as: LAMM SERVICES INS CTR INC | 818 FREDERICK RD BALTIMORE, MD 21228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $0 | $24 | 0.18% |
| STEPHANIE BARBER3 | P.O. BOX 10173 BALTIMORE, MD 21285 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 0.16% |
| TERESA D'ASCOLI3 | 16905 VINE COURT OLNEY, MD 20832 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.08% |
| ROBERT LEE SMITH ESTATE3 | 3160 THRASHER CIRCLE DECATUR, GA 30032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.07% |
| JEFFREY MOTSCO3 | 5965 SANDY RIDGE ELKRIDGE, MD 21075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.07% |
| GRS INC3 | 3278 TAHOE CT NAPLES, FL 34119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.06% |
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 | 108 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 108 | $2.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 393 | $121K |
| Life insurance(2 contracts, 2 carriers) | CIGNA GROUP INSURANCE | 108 | $121K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 14 | $13K |
| Long-term disability | CIGNA GROUP INSURANCE | 108 | $107K |
| Other(2 contracts, 2 carriers) | CIGNA GROUP INSURANCE | 108 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 393 | — |
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.