| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 11311 MCCORMICK RD., STE. 500 HUNT VALLEY, MD 21031 | GUARDIAN | $8K | $2K | $10K | 9.14% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | GUARDIAN | $5K | — | $5K | 5.00% |
| MICHAEL BENDER3 | 1803 RESEARCH BLVD., STE. 400 ROCKVILLE, MD 20850 | AFLAC | $18K | $3K | $20K | 18.70% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 118 EDENDERRY AVE, STE. 130 CENTERVILLE, MD 21617 | AFLAC | $1K | — | $1K | 1.31% |
| ANASTASIA BARANOV3 | 1905 CARTER MILL WY. BROOKEVILLE, MD 20833 | AFLAC | $816 | $78 | $894 | 0.83% |
| DAVID SCHENKEL JR3 Filed as: DAVID SCHENKEL JR. | 4000 BLACKBURN LN., STE. 260 BURTONSVILLE, MD 20866 | AFLAC | $740 | $146 | $886 | 0.83% |
| RUSSELL L. DAYVAULT3 Filed as: RUSSELL L DAYVAULT | 2777 MEADOWVIEW CT. TARPON SPRINGS, FL 34688 | AFLAC | $118 | — | $118 | 0.11% |
| SVETLANA ZEITLIN3 | 105 ADDIS DR. CHURCHVILLE, PA 18966 | AFLAC | $105 | — | $105 | 0.10% |
| JAY W COMBS3 | 573 BELLEVUE RD., STE. B NEWARK, DE 19713 | AFLAC | $103 | — | $103 | 0.10% |
| GEORGE O GREENE3 | 10941 GRANADA RD. RICHMOND, VA 23235 | AFLAC | $79 | — | $79 | 0.07% |
| JOSE A SCHIENEMAN3 | 1881 S CARRIAGE LN. CHANDLER, AZ 85286 | AFLAC | $75 | — | $75 | 0.07% |
| NANCY LEE COMBS3 | 221 W HIGH ST. ELKTON, MD 21921 | AFLAC | $56 | — | $56 | 0.05% |
| GCG FINANCIAL LLC3 Filed as: WENDY DICKERSON | 12802 CORALVIEW RD. MIDLOTHIAN, VA 23114 | AFLAC | $43 | — | $43 | 0.04% |
| MICHAEL C WALKER3 | 203 MARKET ST., STE. 201 HAVRE DE GRACE, MD 21078 | AFLAC | $25 | — | $25 | 0.02% |
| JOSHUA C BURTON3 | 4198 COX RD., STE. 113 GLEN ALLEN, VA 23060 | AFLAC | $19 | — | $19 | 0.02% |
| LAURA GRAVES3 | 4613 VALLEY FORGE DR. ROCKVILLE, MD 20853 | AFLAC | $11 | — | $11 | 0.01% |
| ANDREW J JUNIKIEWICZ JR3 Filed as: ANDREW J JUNIKIEWICZ JR. | 22 BROOK HOLLOW DR. SINKING SPRING, PA 19608 | AFLAC | $5 | — | $5 | 0.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $2K | $6K | 21.01% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 11311 MCCORMICK RD., STE. 500 HUNT VALLEY, MD 21031 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $313 | $313 | 1.18% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $1K | $5K | 20.99% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 11311 MCCORMICK RD., STE. 500 HUNT VALLEY, MD 21031 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $416 | $416 | 1.94% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INSURANCE | 1 KELLY WAY SPARKS, MD 21152 | FIRST STOP HEALTH, LLC | $888 | — | $888 | 4.97% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $522 | $212 | $734 | 21.07% |
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 | 128 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 265 | $109K |
| Vision | VISION SERVICE PLAN | 123 | $20K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 126 | $21K |
| Short-term disability | AFLAC | 53 | $107K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 126 | $27K |
| Other(3 contracts, 3 carriers) | AFLAC | 134 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.