| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCCARTY INSURANCE INC3 Filed as: MCCARTY INSURANCE, INC. | PO BOX 450 PERRY HALL, MD 21128 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $61K | $67K | 4.32% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS, INC. | 11350 MCCORMICK ROAD EXECUTIVE PLAZA 4, SUITE 400 HUNT VALLEY, MD 21031 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | $13K | $33K | 2.13% |
| SARAH A ROBERTSON3 Filed as: SARAH A. ROBERTSON | 5337 SWEETWATER DRIVE WEST RIVER, MD 20778 | TRANSAMERICA LIFE INSURANCE COMPANY | $30K | $0 | $30K | 24.78% |
| ACRISURE LLC3 Filed as: ACRISURE MID-ATLANTIC PARTNERS | 1265 DRUMMERS LANE, SUITE 300 WAYNE, PA 19087 | TRANSAMERICA LIFE INSURANCE COMPANY | $20K | $0 | $20K | 16.69% |
| MATTHEW W EVANS3 Filed as: MATTHEW W. EVANS | 8370 VETERANS HIGHWAY, SUITE 101 MILLERSVILLE, MD 21108 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 5.32% |
| M W E SOLUTIONS, INC.3 Filed as: M.W.E. SOLUTIONS, INC. | 8370 VETERANS HIGHWAY, SUITE 101 MILLERSVILLE, MD 21108 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 5.21% |
| MCCARTY INSURANCE INC3 Filed as: MCCARTY INSURANCE, INC. | PO BOX 450 PERRY HALL, MD 21128 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 7.50% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS, INC. | 11350 MCCORMICK ROAD, SUITE 400 HUNT VALLEY, MD 21031 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.00% |
| SARAH A ROBERTSON3 Filed as: SARAH A. ROBERTSON | 5337 SWEETWATER DRIVE WEST RIVER, MD 20778 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.50% |
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 | 329 | 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) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 751 | $1.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 751 | $1.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 751 | $1.6M |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 329 | $186K |
| Short-term disability(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 329 | $186K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 751 | $1.6M |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 751 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 751 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.