| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STYNCHULA HERBERT & ASSOCIATES INC3 Filed as: STYNCHULA HERBERT & ASSOCIATES | 23526 LOVAGE COURT ALDIE, VA 20105 | UNITEDHEALTHCARE INSURANCE COMPANY | $71K | $0 | $71K | 4.76% |
| RYAN HINES3 | 11284 FAIRWIND WAY RESTON, VA 20190 | AFLAC | $852 | $66 | $918 | 17.85% |
| PETE E KHALAF3 Filed as: PETE KHALAF | 1523 ENYART WAY UNIT 202 ANNAPOLIS, MD 21409 | AFLAC | $277 | $20 | $297 | 5.78% |
| DIVYA JAIN3 | 50 APPLIED BANK BOULEVARD SUITE 106 GLEN MILLS, PA 19342 | AFLAC | $112 | $10 | $122 | 2.37% |
| MATTHEW W EVANS3 Filed as: MATTHEW EVANS AND OTHER AGENTS | 8370 VETERANS HIGHWAY SUITE 101 MILLERSVILLE, MD 21108 | AFLAC | $71 | $3 | $74 | 1.44% |
| HOLLY KHALAF3 | 212 RIDGEPOINT PLACE, APARTMENT 38 GAITHERSBURG, MD 20878 | AFLAC | $63 | $0 | $63 | 1.23% |
| LAURA ROETTGER3 | 7584 HOLLY RIDGE DRIVE GLEN BURNIE, MD 21060 | AFLAC | $54 | $3 | $57 | 1.11% |
| CRISTY PAYNE3 | 14770 MCCANN FARM ROAD WOODBINE, MD 21797 | AFLAC | $39 | $0 | $39 | 0.76% |
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 | 156 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 353 | $1.5M |
| Short-term disability | AFLAC | 4 | $5K |
| Other | AFLAC | 4 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 353 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.