| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG & BUCKLELEW | TRIAD1828 CENTRE, 2 COOPER STREET P.O. BOX 99106 CAMDEN, NJ 08101 | HARTFORD LIFE AND ACCIDENT | $23K | — | $23K | 9.28% |
| CHRISTINA CANTWELL3 | 3337 TWIN RIDGE DR CHARLOTTE, NC 28210 | AFLAC | $14K | $646 | $14K | 5.99% |
| ANASTASIA BARANOV3 | 1905 CARTER MILL WAY BROOKEVILLE, MD 20833 | AFLAC | $6K | $57 | $6K | 2.55% |
| JONATHAN P DUNN3 | 3337 TWIN RIDGE DR CHARLOTTE, NC 28210 | AFLAC | $6K | $172 | $6K | 2.41% |
| DAVID SCHENKEL JR3 | 2141 INDUSTRIAL PKWY SUITE 204 SILVER SPRING, MD 20904 | AFLAC | $4K | $57 | $4K | 1.60% |
| GINGER M KESSEL3 | 7622 CARRINGTON FOREST LN MATTHEWS, NC 28105 | AFLAC | $3K | $71 | $3K | 1.13% |
| LAUREN GREENWOOD3 Filed as: LAUREN S GREENWOOD | 1026 PENNINGTON DR LANCASTER, SC 29720 | AFLAC | $2K | $172 | $2K | 0.72% |
| BRYAN FISH3 | 4050 CANDLE LIGHT DR DAYTON, MD 21036 | AFLAC | $1K | — | $1K | 0.50% |
| DAVID WALTER3 | 129 HUCKLEBERRY DR LA PLATA, MD 20646 | AFLAC | $727 | — | $727 | 0.31% |
| STEFANIE LYNN RISHTY3 | 9702 BRIXTON LN BETHESDA, MD 20817 | AFLAC | $602 | $30 | $632 | 0.27% |
| LAURA GRAVES3 | 4613 VALLEY FORGE DR ROCKVILLE, MD 20853 | AFLAC | $363 | $144 | $507 | 0.21% |
| MINDY HARRIS3 | 1158 WHITEHALL HILL RD YORK, SC 29745 | AFLAC | $488 | — | $488 | 0.21% |
| WILLIAM JOHNSON3 | 471 WATERFORDS EDGE CT ATCO, NJ 08004 | AFLAC | $400 | $50 | $450 | 0.19% |
| CHRISTINE E KESSEL3 | 7622 CARRINGTON FOREST LN MATTHEWS, NC 28105 | AFLAC | $185 | $82 | $267 | 0.11% |
| KELLY MCGARRY3 | 4750 N ORACLE RD STE 214 TUCSON, AZ 85705 | AFLAC | $185 | — | $185 | 0.08% |
| DALE ARTHUR LOVELLE3 | 1427 RISING SUN AVE LANGHORNE, PA 19047 | AFLAC | $172 | — | $172 | 0.07% |
| CRYSTAL EILEEN ARMSTRONG3 | 2702 BRADFORD ST GASTONIA, NC 28054 | AFLAC | $117 | $52 | $169 | 0.07% |
| MATTHEW G BURNSIDE3 | 13309 CANTERBURY CASTLE DR CHARLOTTE, NC 28273 | AFLAC | $165 | — | $165 | 0.07% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $156 | — | $156 | 0.07% |
| JAMES ROBERT KINGSTON3 | 1516 N 22ND STREET ALLENTOWN, PA 18104 | AFLAC | $104 | $52 | $156 | 0.07% |
| YOHANIS SMITH3 | 42 COLONIAL DR CHARLES TOWN, WV 25414 | AFLAC | $153 | — | $153 | 0.06% |
| JEREMY A FELDMAN3 | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $145 | — | $145 | 0.06% |
| JUSTIN E GRIESINGER3 | 8111 WAXHAW CREEK RD WAXHAW, NC 28173 | AFLAC | $139 | — | $139 | 0.06% |
| MICHAEL K PORTER3 | 5881 TOWN BAY DR APT 916 BOCO RATON, FL 33486 | AFLAC | $135 | — | $135 | 0.06% |
| MICHAEL C WALKER3 Filed as: MICHAEL A FIEDLER | 8 SEWARD DR OCEAN, NJ 07712 | AFLAC | $124 | — | $124 | 0.05% |
| DESEREE PODKOWKA3 | 5220 AL JONES DR SHADY SIDE, MD 20764 | AFLAC | $105 | — | $105 | 0.04% |
| NICOLE DRESNER3 | 928 BEACON SQUARE CT APT 336 GAITHERSBURG, MD 20878 | AFLAC | $102 | — | $102 | 0.04% |
| CRISTINA RIOS3 | 5980 RICHMOND HWY APT 405 ALEXANDRIA, VA 22303 | AFLAC | $97 | — | $97 | 0.04% |
| NICHOLAS BLUMERT3 | 12 YARDLEY CT MARTINSBURG, WV 25405 | AFLAC | $65 | $24 | $89 | 0.04% |
| RHONDA NEWMAN3 | SEVERIN AVE MODESTO, CA 95354 | AFLAC | $76 | — | $76 | 0.03% |
| ANA DAIGLE BURNSIDE3 | 13309 CANTERBURY CASTLE DR CHARLOTTE, NC 28173 | AFLAC | $73 | — | $73 | 0.03% |
| DONALD PRITCHETT3 | 6729 GREEN MILL WAY COLUMBIA, MD 20144 | AFLAC | $70 | — | $70 | 0.03% |
| MORIAH GRIESINGER3 | 8111 WAXHAW CREEK RD WAXHAW, NC 28173 | AFLAC | $69 | — | $69 | 0.03% |
| MICHAEL BENDER3 | 1803 RESEARCH BLVD STE 400 ROCKVILLE, MD 20850 | AFLAC | $64 | — | $64 | 0.03% |
| EDWINA VEGA3 | 134 PINECOVE AVE ODENTON, MD 21113 | AFLAC | $62 | — | $62 | 0.03% |
| ROBERT CARTER3 Filed as: ROBERT P CARTER | 95 BERKSHIRE DR FALLING WATERS, WA 25419 | AFLAC | $62 | — | $62 | 0.03% |
| KAREN S LEIGHTY3 | 729 PATTIE RD BUCKINGHAM, VA 23921 | AFLAC | $61 | — | $61 | 0.03% |
| JACK ALBERT MARTIN3 | 2941 NE 3RD ST OCALA, FL 34470 | AFLAC | $60 | — | $60 | 0.03% |
| KELLY LYNN FELDMAN3 | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $56 | — | $56 | 0.02% |
| TRACEY E HARMON3 | 1736 GORDON AVE WINDSOR MILL, MD 21244 | AFLAC | $55 | — | $55 | 0.02% |
| WENDY M BOONE3 | 1901 SEIPSTOWN RD FOGELSVILLE, PA 18051 | AFLAC | $36 | $10 | $46 | 0.02% |
| KELLY KILLEN3 | 3 SARA ST MIDDLETOWN, PA 17057 | AFLAC | $39 | $4 | $43 | 0.02% |
| KELSEY N STRINE3 | 6729 GREEN MILL WAY COLUMBIA, MD 21044 | AFLAC | $41 | — | $41 | 0.02% |
| SARA MARQUES3 | 2142 INDUSTRIAL PARKWAY SILVER SPRING, MD 20904 | AFLAC | $39 | — | $39 | 0.02% |
| BRENDA D GILES3 | 406 N BROAD ST SALEM, VA 24153 | AFLAC | $39 | — | $39 | 0.02% |
| JOSEPH B MCGINTY JR3 | 1150 GLENLIVET DR STE A13 ALLENTOWN, PA 18106 | AFLAC | $24 | $10 | $34 | 0.01% |
| JEFFREY CHUBB3 Filed as: JEFFREY C CHUBB | 349 W WALNUT TREE DR BLANDON, PA 19510 | AFLAC | $33 | — | $33 | 0.01% |
| JOSEPH G GRABLICK3 | 716 SUSQUEHANNA AVE WYOMING, PA 18644 | AFLAC | $32 | — | $32 | 0.01% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES C ZOMBRO | 625 COUNTY ROAD 106 FLORENCE, AL 35633 | AFLAC | $27 | $4 | $31 | 0.01% |
| ROBERT B LONG3 | 308 CIRCLE VIEW ROAD LURAY, VA 22835 | AFLAC | $30 | — | $30 | 0.01% |
| ERIC C DWIGGINS3 | 5311 BELLWOOD CT WILMINGTON, NC 28412 | AFLAC | $30 | — | $30 | 0.01% |
| ERIC R MACDOUGALL3 | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $30 | — | $30 | 0.01% |
| ANDREW J JUNIKIEWICZ JR3 | 22 BROOK HOLLOW DR SINKING SPRING, PA 19608 | AFLAC | $21 | $8 | $29 | 0.01% |
| MATTHEW J MITTAN3 | P.O. BOX 71 SWANNANOA, NC 28778 | AFLAC | $28 | — | $28 | 0.01% |
| ENROLLEASE3 Filed as: MARK A CLARKE | 317 WILLOW AVE CAMP HILL, PA 17011 | AFLAC | $27 | $1 | $28 | 0.01% |
| MICHAEL SUMMERS3 | 6204 CHEVERLY PARK DR CHEVERLY, MD 20785 | AFLAC | $27 | — | $27 | 0.01% |
| MICHAEL C WALKER3 Filed as: MICHAEL J SHIOMOS | 44 MONROE DR CLEMENTON, NJ 08021 | AFLAC | $22 | — | $22 | 0.01% |
| MARY KAYE WASHO3 | 23773A CYPRESS MNR ORANGE BEACH, AL 36561 | AFLAC | $20 | — | $20 | 0.01% |
| JOSE A SCHIENEMAN3 | 4515 S MCCLINTOCK DR STE 212 TEMPE, AZ 85282 | AFLAC | $20 | — | $20 | 0.01% |
| MATTHEW T O'HANLON3 | 101 W ELM ST STE 420 CONSHOHOCKEN, PA 19428 | AFLAC | $19 | — | $19 | 0.01% |
| VICTORIA SHAFER3 | 303 SUNRISE CT BERLIN, MD 21811 | AFLAC | $15 | — | $15 | 0.01% |
| JAMES WILLIAM DEUINK3 Filed as: JAMES CANTWELL | 4737 ANDREWS LINKS ST CHARLOTTE, NC 28277 | AFLAC | $15 | — | $15 | 0.01% |
| MARK WARE3 | 310 SHOREWOOD DR MINERAL, VA 23117 | AFLAC | $15 | — | $15 | 0.01% |
| JUDY B MILLS3 | P.O. BOX 724 ASHLAND, VA 23005 | AFLAC | $8 | $7 | $15 | 0.01% |
| DEAN B GRIFFITH3 | 510 WINDY RIDGE RD FRONT ROYAL, VA 22630 | AFLAC | $13 | — | $13 | 0.01% |
| KRISTIN SWISHER-MCFADDEN3 | 4975 LACROSS RD STE 201 NORTH CHARLESTON, SC 29406 | AFLAC | $12 | — | $12 | 0.01% |
| ANTHONY S ALMODOVAR3 | 3605 VARTAN WAY STE 304 HARRISBURG, PA 17110 | AFLAC | $11 | $1 | $12 | 0.01% |
| ELIZABETH F HARKEY3 | 501 N CHURCH ST STE 300 CHARLOTTE, NC 28202 | AFLAC | $11 | — | $11 | 0.00% |
| JOHN M WASHO3 | 23773A CYPRESS MNR ORANGE BEACH, AL 36561 | AFLAC | $11 | — | $11 | 0.00% |
| ERIC C DWIGGINS3 | 221 NORTHERN BLVD WILMINGTON, NC 28401 | AFLAC | $11 | — | $11 | 0.00% |
| NICHOLAS CAFFREY3 | 6502 N CALLE LOTTIE TUCSON, AZ 85718 | AFLAC | $11 | — | $11 | 0.00% |
| CODY MOSS3 Filed as: CODY LEE MOSS | 2203 GLENMORE RD SCOTTSVILLE, VA 24590 | AFLAC | $10 | — | $10 | 0.00% |
| DAVID B SPENCER3 | 2470 W ROUTE 897 DENVER, PA 17517 | AFLAC | $8 | — | $8 | 0.00% |
| BETH ANN PETRONE3 | 9209 KUNKELS MILL RD KEMPTON, PA 19529 | AFLAC | $8 | — | $8 | 0.00% |
| SUSAN RUSSELL3 | 120 ROCKWOOD DR HENDERSONVILLE, NC 28792 | AFLAC | $7 | — | $7 | 0.00% |
| MELISSA L KARNES3 | 1002 CANINE CT THAXTON, VA 24174 | AFLAC | $6 | — | $6 | 0.00% |
| JACK ALBERT MARTIN3 | 93 WOODSIDE RD DANVILLE, PA 17821 | AFLAC | $6 | — | $6 | 0.00% |
| BOYD GLOVER JR3 Filed as: BOYD M GLOVER JR | 69 MOORCLIFFE LN VERONA, VA 24482 | AFLAC | $6 | — | $6 | 0.00% |
| DIVYA JAIN3 | 4401 FAIR LAKES CT STE 304 FAIRFAX, VA 22033 | AFLAC | $5 | — | $5 | 0.00% |
| KEVIN L MARTIN3 | 1534 LINKS VIEW DR SALEM, VA 24153 | AFLAC | $4 | — | $4 | 0.00% |
| JAMIE JONES3 | 12826 ENGLISH WALNUT LN CHARLOTTE, NC 28215 | AFLAC | $3 | — | $3 | 0.00% |
| TAMMY MARIE MINOR3 | 7448 COMMERCE WAY STE A RUTHER GLEN, VA 22546 | AFLAC | $2 | $1 | $3 | 0.00% |
| MARK D BARBIER3 | 23 CROYDON LN OAK BROOK, IL 60523 | AFLAC | $2 | — | $2 | 0.00% |
| LANCE ALEXANDE EURY3 | 15955 FREDERICK RD APT 2574 DERWOOD, MD 20855 | AFLAC | $2 | — | $2 | 0.00% |
| SUSAN BUCKA3 | 2141 INDUSTRIAL PKWY STE 204 SILVER SPRING, MA 29094 | AFLAC | $2 | — | $2 | 0.00% |
| TIMOTHY CAVAZOS3 | 108 ANDREW LINDSEY WILLIAMSBURG, VA 23185 | AFLAC | $1 | $1 | $2 | 0.00% |
| IRENE E BROOKS3 Filed as: IRENE BROOKS | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $1 | — | $1 | 0.00% |
| JEROME K CHENEY3 | 60 CHAPEL ST CANANDAIGUA, NY 14424 | AFLAC | $1K | — | $1K | 6.56% |
| JONATHAN P DUNN3 | 3337 TWIN RIDGE DR CHARLOTTE, NC 28210 | AFLAC | $895 | $16 | $911 | 4.69% |
| CHRISTINA CANTWELL3 | 9112 ARBOR GLEN LN CHARLOTTE, NC 28210 | AFLAC | $492 | $82 | $574 | 2.95% |
| JOSEPH P CALARCO3 | P.O. BOX 130 AUBURN, NY 13021 | AFLAC | $253 | $9 | $262 | 1.35% |
| NICHOLAS CALARCO3 | 162 YORK ST AUBURN, NY 13021 | AFLAC | $193 | — | $193 | 0.99% |
| BRENDA MALANEY GORE3 | 30 OLD GLORY LN BALLSTON SPA, NY 12020 | AFLAC | $105 | $52 | $157 | 0.81% |
| MICHELE K WITT3 | 1925 HOLLAND AVE UTICA, NY 13501 | AFLAC | $141 | — | $141 | 0.73% |
| PENNY EATON3 | 7880 STEUBEN ST HOLLAND PATENT, NY 13354 | AFLAC | $89 | $34 | $123 | 0.63% |
| MARK WELCH3 | 303 E MAIN ST AVON, NY 14414 | AFLAC | $105 | — | $105 | 0.54% |
| DAVID SCHENKEL JR3 | 3746 COLLEGE AVE ELLICOTT CITY, MD 21043 | AFLAC | $94 | — | $94 | 0.48% |
| STEPHEN R CONNORS3 | 108 HUNTSHILL RD SYRACUSE, NY 13209 | AFLAC | $73 | $10 | $83 | 0.43% |
| LAUREN GREENWOOD3 | 1026 PENNINGTON DR LANCASTER, SC 29720 | AFLAC | $66 | $16 | $82 | 0.42% |
| ALISHA K ROBINSON3 | P.O. BOX 272 OLD FORGE, NY 13420 | AFLAC | $61 | $7 | $68 | 0.35% |
| TIMOTHY J. STANTON3 Filed as: TIMOTHY J STANTON | 194 GENESEE ST. AVON, NY 14414 | AFLAC | $67 | — | $67 | 0.34% |
| BRYAN FISH3 | 3702 CATTAIL GREENS CT GLENWOOD, MD 21738 | AFLAC | $62 | — | $62 | 0.32% |
| THERESA STRONG3 | P.O. BOX 52 MACEDON, NY 14502 | AFLAC | $57 | — | $57 | 0.29% |
| BRENDAN MCCARTHY AND CREW INC3 Filed as: BRENDAN MCCARTHY AND CREW INC. | 39 SAGINAW DR STE 2 ROCHESTER, NY 14623 | AFLAC | $45 | $8 | $53 | 0.27% |
| STEVEN E DALABA3 | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AFLAC | $48 | — | $48 | 0.25% |
| KRISTINE A ZABRISKIE3 | 11 CHARLES ST AUBURN, NY 13021 | AFLAC | $45 | — | $45 | 0.23% |
| DEBRA PARKER3 Filed as: DEBRA M PARKER | 20 BOWEN ST AUBURN, NY 13021 | AFLAC | $30 | — | $30 | 0.15% |
| DEIDRE F LOBAUGH3 | 44A WELLINGTON CT WILLIAMSVILLE, NY 14221 | AFLAC | $28 | — | $28 | 0.14% |
| KRISTA ANNE ROTONDI3 | 5 PINE WEST PLZ STE 503 ALBANY, NY 12205 | AFLAC | $16 | $9 | $25 | 0.13% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $24 | — | $24 | 0.12% |
| JOHN R. CRIST3 Filed as: JOHN R CRIST | 29 WELLWORTH PL CHEEKTOWAGA, NY 14225 | AFLAC | $24 | — | $24 | 0.12% |
| SHANNON GERACE3 | 1411 CHILI AVE STE 3 ROCHESTER, NY 14624 | AFLAC | $15 | — | $15 | 0.08% |
| PATRICK J ENGASSER3 | 190 CONANT DR TONAWANDA, NY 14223 | AFLAC | $15 | — | $15 | 0.08% |
| DAVID MORNINGSTAR3 Filed as: DAVID G MORNINGSTAR | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $14 | — | $14 | 0.07% |
| EDWARD D YATES JR3 Filed as: EDWARD D YATES JR. | 2063 COUNTY ROUTE 8 OSWEGO, NY 13126 | AFLAC | $12 | — | $12 | 0.06% |
| TIMOTHY SMITH3 | 7 CAMERON ST AUBURN, NY 13021 | AFLAC | $7 | $2 | $9 | 0.05% |
| JEREMY A FELDMAN3 | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $8 | — | $8 | 0.04% |
| STARTING LINE SOLUTIONS INC3 Filed as: STARTING LINE SOLUTIONS INC. | 7 RUSH WEST RUSH RD RUSH, NY 14543 | AFLAC | $8 | — | $8 | 0.04% |
| MICHAEL P FARLEY3 | 1412 SWEET HOME RD STE 2 AMHERST, NY 14228 | AFLAC | $8 | — | $8 | 0.04% |
| EDWIN VEGA3 | 134 PINECOVE AVE ODENTON, MD 21113 | AFLAC | $3 | — | $3 | 0.02% |
| KELLY LYNN FELDMAN3 | 15324 SWEETBAY ST WOODBINE, ME 21797 | AFLAC | $3 | — | $3 | 0.02% |
| BRAD JONES AND ASSOCIATES INC3 Filed as: BRAD JONES AND ASSOCIATES INC. | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $3 | — | $3 | 0.02% |
| HILARY RADOLEC3 | 165 CROSSBOW LN GAITHERSBURG, MD 20878 | AFLAC | $2 | — | $2 | 0.01% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $2 | — | $2 | 0.01% |
| LAURIE L SMITH3 | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $1 | — | $1 | 0.01% |
| DAWN PELLERIN3 Filed as: DAWN M PELLERIN | 34 TAMARACK DR NEW HARTFORD, NY 13413 | AFLAC | $1 | — | $1 | 0.01% |
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 | 1,135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AFLAC | 293 | $256K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 956 | $208K |
| Vision | VISION BENEFITS OF AMERICA | 609 | $30K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,112 | $243K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,112 | $243K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,112 | $243K |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,112 | $518K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,112 | — |
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.