| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R TODD GRANDY3 | 307 INTERNATIONAL CIR STE 310 HUNT VALLEY, MD 21030 | NORTHWESTERN MUTUAL | $2K | $450 | $2K | 4.16% |
| EDWARD HOWARD LOUGH3 | 20 W WASHINGTON ST STE 301 HAGERSTOWN, MD 217406064 | NORTHWESTERN MUTUAL | $1K | $300 | $1K | 2.77% |
| SCOTT IODICE ASSC LLC3 | 111 S CALVERT ST BALTIMORE, MD 21202 | NORTHWESTERN MUTUAL | $476 | $57 | $533 | 0.99% |
| JOSHUA HAYES PARISH3 | 150 S EAST ST STE 303 FREDERICK, MD 21701 | NORTHWESTERN MUTUAL | $119 | $43 | $162 | 0.30% |
| R TODD GRANDY3 | 307 INTERNATIONAL CIR STE 310 HUNT VALLEY, MD 21030 | NORTHWESTERN MUTUAL | $2K | $640 | $2K | 5.25% |
| EDWARD HOWARD LOUGH3 | 20 W WASHINGTON ST STE 301 HAGERSTOWN, MD 21740 | NORTHWESTERN MUTUAL | $1K | $426 | $1K | 3.50% |
| SCOTT IODICE ASSC LLC3 | 111 S CALVERT ST STE 2500 BALTIMORE, MD 21202 | NORTHWESTERN MUTUAL | $401 | $48 | $449 | 1.10% |
| JOSHUA HAYES PARISH3 | 150 S EAST ST STE 303 FREDERICK, MD 21701 | NORTHWESTERN MUTUAL | $100 | $36 | $136 | 0.33% |
| R TODD GRANDY3 | 307 INTERNATIONAL CIR STE 310 HUNT VALLEY, MD 21030 | NORTHWESTERN MUTUAL | $2K | $477 | $2K | 9.06% |
| EDWARD HOWARD LOUGH3 | 20 W WASHINGTON ST STE 301 HAGERSTOWN, MD 21740 | NORTHWESTERN MUTUAL | $1K | $318 | $2K | 6.04% |
| SCOTT IODICE ASSC LLC3 | 111 S CALVERT S STE 2500 BALTIMORE, MD 21202 | NORTHWESTERN MUTUAL | $505 | $61 | $566 | 2.16% |
| JOSHUA HAYES PARISH3 | 150 S EAST ST STE 303 FREDERICK, MD 21701 | NORTHWESTERN MUTUAL | $126 | $45 | $171 | 0.65% |
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 | 154 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | NORTHWESTERN MUTUAL | 154 | $41K |
| Short-term disability | NORTHWESTERN MUTUAL | 154 | $54K |
| Long-term disability | NORTHWESTERN MUTUAL | 154 | $26K |
| Other | NORTHWESTERN MUTUAL | 154 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.