| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $50K | $5K | $55K | 16.37% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | HARTFORD LIFE AND ACCIDENT | $0 | $213 | $213 | 0.06% |
| MJ INSURANCE3 Filed as: KANDIS PERRY AND VARIOUS AGENTS | 8370 VETERANS HIGHWAY, SUITE 101 MILLERSVILLE, MD 21108 | AFLAC | $2K | $0 | $2K | 4.51% |
| MELISSA S LYNCH3 Filed as: MELISSA S. LYNCH | 507 AUGUSTA DRIVE ARNOLD, MD 21012 | AFLAC | $1K | $0 | $1K | 2.09% |
| MATTHEW W EVANS3 Filed as: MATTHEW W. EVANS | 8370 VETERANS HIGHWAY, SUITE 101 MILLERSVILLE, MD 21108 | AFLAC | $989 | $0 | $989 | 1.88% |
| MORGAN STANLEY INS SERVICES INC3 | 700 PLAZA TWO, 7TH FLOOR JERSEY CITY, NJ 07311 | AFLAC | $741 | $0 | $741 | 1.41% |
| SVETLANA ZEITLIN3 | 105 ADDIS DRIVE CHURCHVILLE, PA 18966 | AFLAC | $486 | $0 | $486 | 0.92% |
| CAROLINE D MORNINGSTAR3 Filed as: CAROLINE D. MORNINGSTAR | 4281 BUCKSKIN WOOD DRIVE ELLICOTT CITY, MD 21042 | AFLAC | $477 | $0 | $477 | 0.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $445 | $0 | $445 | 0.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.81% |
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 | 453 | 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) | 453 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 383 | $48K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 447 | $333K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 447 | $333K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 447 | $333K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 480 | $394K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 480 | — |
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.