| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R TODD GRANDY3 | 307 INTERNATIONAL CIR STE 310 HUNT VALLEY, MD 21030 | NORTHWESTERN MUTUAL | $2K | $451 | $2K | 4.81% |
| EDWARD HOWARD LOUGH3 | 20 W WASHINGTON ST STE 301 HAGERSTOWN, MD 21740 | NORTHWESTERN MUTUAL | $1K | $301 | $1K | 3.20% |
| SCOTT IODICE ASSC LLC3 | 111 S CALVERT ST STE 2500 BALTIMORE, MD 21202 | NORTHWESTERN MUTUAL | $477 | $57 | $534 | 1.14% |
| JOSHUA HAYES PARISH3 | 150 S EAST ST FREDERICK, MD 21701 | NORTHWESTERN MUTUAL | $119 | $43 | $162 | 0.35% |
| R TODD GRANDY3 | 307 INTERNATIONAL CIR STE 310 HUNT VALLEY, MD 21030 | NORTHWESTERN MUTUAL | $2K | $646 | $2K | 6.16% |
| EDWARD HOWARD LOUGH3 | 20 W WASHINGTON ST STE 301 HAGERSTOWN, MD 21740 | NORTHWESTERN MUTUAL | $1K | $430 | $1K | 4.10% |
| SCOTT IODICE ASSC LLC3 Filed as: SCOTT IODICE ASSOC LLC | 111 S CALVERT ST STE 2500 BALTIMORE, MD 21202 | NORTHWESTERN MUTUAL | $405 | $49 | $454 | 1.29% |
| JOSHUA HAYES PARISH3 | 150 S EAST ST STE 303 FREDERICK, MD 21701 | NORTHWESTERN MUTUAL | $101 | $36 | $137 | 0.39% |
| R TODD GRANDY3 | 307 INTERNATIONAL CIR STE 310 HUNT VALLEY, MD 21030 | NORTHWESTERN MUTUAL | $2K | $485 | $2K | 10.62% |
| EDWARD HOWARD LOUGH3 | 20 W WASHINGTON ST STE 301 HAGERSTOWN, MD 21740 | NORTHWESTERN MUTUAL | $1K | $323 | $2K | 7.08% |
| SCOTT IODICE ASSC LLC3 Filed as: SCOTT IODICE ASSOC LLC | 111 S CALVERT ST STE 2500 BALTIMORE, MD 21202 | NORTHWESTERN MUTUAL | $513 | $62 | $575 | 2.53% |
| JOSHUA HAYES PARISH3 | 150 S EAST ST FREDERICK, MD 21701 | NORTHWESTERN MUTUAL | $128 | $46 | $174 | 0.77% |
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 | 146 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | NORTHWESTERN MUTUAL | 146 | $35K |
| Short-term disability | NORTHWESTERN MUTUAL | 146 | $47K |
| Long-term disability | NORTHWESTERN MUTUAL | 146 | $23K |
| Other | NORTHWESTERN MUTUAL | 146 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.