| 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 | 16.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.79% |
| MJ INSURANCE3 Filed as: SVETLANA ZEITLIN AND VARIOUS AGENTS | 105 ADDIS DRIVE CHURCHVILLE, PA 18966 | AFLAC | $1K | $0 | $1K | 2.76% |
| MATTHEW W EVANS3 Filed as: MATTHEW W. EVANS | 8370 VETERANS HIGHWAY, SUITE 101 MILLERSVILLE, MD 21108 | AFLAC | $930 | $0 | $930 | 2.39% |
| MELISSA S LYNCH3 Filed as: MELISSA S. LYNCH | 507 AUGUSTA DRIVE ARNOLD, MD 21012 | AFLAC | $732 | $0 | $732 | 1.88% |
| MORGAN STANLEY INS SERVICES INC3 Filed as: MORGAN STANLEY INS. SERVICES, INC. | 700 PLAZA TWO, 5TH FLOOR JERSEY CITY, NY 07311 | AFLAC | $532 | $0 | $532 | 1.37% |
| CAROLINE D MORNINGSTAR3 Filed as: CAROLINE D. MORNINGSTAR | 4281 BUCKSKIN WOOD DRIVE ELLICOTT CITY, MD 21042 | AFLAC | $342 | $0 | $342 | 0.88% |
| GREER INSURANCE3 | 8370 VETERANS HIGHWAY, SUITE 101 MILLERSILLE, MD 21108 | AFLAC | $297 | $0 | $297 | 0.76% |
| KANDIS PERRY3 | 8370 VETERANS HIGHWAY, SUITE 101 MILLERSVILLE, MD 21108 | AFLAC | $295 | $0 | $295 | 0.76% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | HARTFORD FIRE INSURANCE COMPANY | $0 | $154 | $154 | 17.05% |
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 | 447 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 449 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 389 | $48K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 447 | $332K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 447 | $332K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 447 | $332K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 480 | $380K |
| 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.