| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 170 JENNIFER RD., STE. 130 ANNAPOLIS, MD 21401 | GUARDIAN | $8K | $5K | $13K | 11.06% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | GUARDIAN | $6K | — | $6K | 5.00% |
| MICHAEL BENDER3 | 1803 RESEARCH BLVD., STE. 400 ROCKVILLE, MD 20850 | AFLAC | $18K | $783 | $19K | 19.56% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 118 EDENDERRY AVE, STE. 130 CENTERVILLE, MD 21617 | AFLAC | $3K | — | $3K | 2.79% |
| DAVID SCHENKEL JR3 | 4000 BLACKBURN LN., STE. 260 BURTONSVILLE, MD 20866 | AFLAC | $989 | $152 | $1K | 1.20% |
| ANASTASIA BARANOV3 | 1905 CARTER MILL WY. BROOKEVILLE, MD 20833 | AFLAC | $326 | — | $326 | 0.34% |
| GEORGE O GREENE3 | 10941 GRANADA RD. RICHMOND, VA 23235 | AFLAC | $171 | $39 | $210 | 0.22% |
| RUSSELL L. DAYVAULT3 Filed as: RUSSELL L DAYVAULT | 2777 MEADOWVIEW CT. TARPON SPRINGS, FL 34688 | AFLAC | $143 | — | $143 | 0.15% |
| SVETLANA ZEITLIN3 | 105 ADDIS DR. CHURCHVILLE, PA 18966 | AFLAC | $130 | — | $130 | 0.14% |
| JOSE A SCHIENEMAN3 | 1881 S CARRIAGE LN. CHANDLER, AZ 85286 | AFLAC | $93 | — | $93 | 0.10% |
| LAURA GRAVES3 | 4613 VALLEY FORGE DR. ROCKVILLE, MD 20853 | AFLAC | $34 | $39 | $73 | 0.08% |
| GCG FINANCIAL LLC3 Filed as: WENDY DICKERSON | 12802 CORALVIEW RD. MIDLOTHIAN, VA 23114 | AFLAC | $54 | $9 | $63 | 0.07% |
| JAY W COMBS3 | 573 BELLEVUE RD., STE. B NEWARK, DE 19713 | AFLAC | $48 | — | $48 | 0.05% |
| JOSHUA C BURTON3 | 4198 COX RD., STE. 113 GLEN ALLEN, VA 23060 | AFLAC | $30 | $9 | $39 | 0.04% |
| NANCY LEE COMBS3 | 221 W HIGH ST. ELKTON, MD 21921 | AFLAC | $26 | — | $26 | 0.03% |
| MICHAEL C WALKER3 | 203 MARKET ST., STE. 201 HAVRE DE GRACE, MD 21078 | AFLAC | $12 | — | $12 | 0.01% |
| ANDREW J JUNIKIEWICZ JR3 Filed as: ANDREW J JUNIKIEWICZ JR. | 22 BROOK HOLLOW DR. SINKING SPRING, PA 19608 | AFLAC | $5 | — | $5 | 0.01% |
| ALLEN INSURANCE ASSOCIATES INC3 Filed as: ALLEN INSURANCE ASSOCIATES INC. | 410 DELAWARE AVE. WILMINGTON, DE 19801 | AFLAC | $2 | — | $2 | 0.00% |
| FREDERICK W WILSON III3 Filed as: FREDERICK W WILSON II | 573 BELLEVUE RD., STE. B NEWARK, DE 19713 | AFLAC | $2 | — | $2 | 0.00% |
| SCOTT JACOB INS GROUP LLC3 | 573 BELLEVUE RD., STE. B NEWARK, DE 19713 | AFLAC | $1 | — | $1 | 0.00% |
| JOSHUA M PINCUS SOKOLOFF3 | 575 S CHARLES ST., STE. 503 BALTIMORE, MD 21201 | AFLAC | $1 | — | $1 | 0.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $1K | $7K | 19.24% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $1K | $5K | 19.24% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD. NE, STE. 301 LEESBURG, VA 20176 | VISION SERVICE PLAN | — | — | $0 | 0.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INSURANCE | 1 KELLY WAY SPARKS, MD 21152 | FIRST STOP HEALTH, LLC | $983 | — | $983 | 5.53% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $730 | $205 | $935 | 19.22% |
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 | 168 | 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) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 371 | $117K |
| Vision | VISION SERVICE PLAN | 159 | $21K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 168 | $28K |
| Short-term disability | AFLAC | 49 | $95K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 168 | $35K |
| Other(3 contracts, 3 carriers) | AFLAC | 183 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 371 | — |
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."
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.