| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | $390 | $6K | 5.96% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $4K | $4K | 3.79% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD STE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 15.40% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD STE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 20.48% |
| PSA FINANCIAL, INC.3 Filed as: PSA ISURANCE & FINANCIAL PARTNERS | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 15.39% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD STE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $845 | $2K | 15.47% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MA 21031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $811 | — | $811 | 5.50% |
| GREG W WOOLLEY3 | 15492 CLIFFVIEW DR MONTCLAIR, VA 22026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $364 | $146 | $510 | 3.46% |
| LILIENFIELD & ASSOCIATES LLC3 Filed as: LILIENFIELD & ASSOCIATES, LLC | 1100 HIGGINS PLACE ROCKVILLE, MD 20852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $316 | — | $316 | 2.14% |
| MULLANEY ENTERPRISES LLC3 | 5501 TWIN KNOLLS ROAD COLUMBIA, MD 21045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $135 | $140 | $275 | 1.86% |
| EMLYN MARSTELLER IV3 | 412 SUGARLAND MEADOW DR HERNDON, VA 20170 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $174 | $16 | $190 | 1.29% |
| JEFFREY LEE LASKO3 | 218 POLARIS DRIVE WALKERSVILLE, MD 21793 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $115 | — | $115 | 0.78% |
| JOHN E CUMMINGS3 | 204 QUAYSIDE CIR #501 MAITLAND, FL 32751 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | — | $99 | 0.67% |
| STEPHEN ROSS WEINSTOCK3 | 1821 MACTAVISH AVE RICHMOND, VA 23225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.22% |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 9 | $15K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 158 | $95K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 158 | $95K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 153 | $52K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 153 | $20K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 153 | $28K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 153 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.