| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES INC | 215 WASHINGTON AVENUE SUITE 400 TOWSON, MA 21204 | CAREFIRST BLUECHOICE, INC. | $16K | $25K | $41K | 6.21% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | CAREFIRST BLUECHOICE, INC. | — | $12K | $12K | 1.79% |
| MARK DYSON3 | 10461 MILL RUN CIRCLE SUITE 210 OWINGS MILLS, MD 21117 | AFLAC | $3K | — | $3K | 5.44% |
| MEAGAN R SILVERMAN3 Filed as: MEAGAN SILVERMAN | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | AFLAC | $2K | — | $2K | 4.15% |
| JHARANA CHALISE3 | 3711 PUTTY HILL AVENUE NOTTINGHAM, MA 21236 | AFLAC | $1K | $10 | $1K | 2.19% |
| ERIC M SILVERMAN3 Filed as: ERIC SILVERMAN | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | AFLAC | $706 | — | $706 | 1.22% |
| RACHEL A FOX3 Filed as: RACHEL FOX | 3908 LONGMOOR CIRCLE PHOENIX, MA 21131 | AFLAC | $679 | — | $679 | 1.18% |
| FREDERICK W WILSON III6 Filed as: FREDERICK WILSON III | 573 BELLEVUE ROAD NEWARK, DE 19713 | AFLAC | $593 | — | $593 | 1.03% |
| JENNA ZAHNER3 | 6 OVERSHOT COURT PHOENIX, MD 21131 | AFLAC | $546 | — | $546 | 0.95% |
| EUGEAN VANHORN3 | 201 PROFESSIONAL DRIVE GAITHERSBURG, MD 20879 | AFLAC | $445 | $77 | $522 | 0.90% |
| PAUL THAYER3 | 6 OVERSHOT COURT PHOENIX, MD 21131 | AFLAC | $434 | — | $434 | 0.75% |
| RACHEL PENNINGTON3 | 16 WESTMINSTER DRIVE BERLIN, MD 21811 | AFLAC | $369 | — | $369 | 0.64% |
| JOHN F MEANS3 Filed as: JOHN MEANS | 502 WASHINGTON AVENUE SUITE 600 TOWSON, MD 21204 | AFLAC | $148 | — | $148 | 0.26% |
| SCOTT NATHAN3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $142 | — | $142 | 0.25% |
| JOSHURA PINCUS SOKOLOFF3 | 6100 CHEVY CHASE DRIVE SUITE 105 LAUREL, MD 20707 | AFLAC | $117 | — | $117 | 0.20% |
| IMPACKTFUL BENEFITS SOLUTIONS LLC3 | 6456 CONTINENTAL DRIVE GLEN BURNIE, MD 21061 | AFLAC | $101 | — | $101 | 0.17% |
| BRANDY ANN HARTIN3 Filed as: BRANDY HARTIN | 3115 PHOENIX AVENUE OLDSMAR, FL 34677 | AFLAC | $96 | — | $96 | 0.17% |
| R K TONGUE CO INC3 | 575 SOUTH CHARLES STREET SUITE 205 BALTIMORE, MD 21201 | AFLAC | $65 | — | $65 | 0.11% |
| MARY ANNE MILLS3 | 36839 BI STATE BOULEVARD DELMAR, DE 19940 | AFLAC | $47 | — | $47 | 0.08% |
| MATTHEW W EVANS3 Filed as: MATTHEW EVANS | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $44 | — | $44 | 0.08% |
| JOSHUA WOLF3 | 3913 BARTWOOD ROAD BALTIMORE, MD 21215 | AFLAC | $42 | — | $42 | 0.07% |
| JESSICA M CAIN3 Filed as: JESSICA CAIN | 5505 LAURELTON AVENUE BALTIMORE, MD 21214 | AFLAC | $19 | — | $19 | 0.03% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DRIVE ELLICOTT CITY, MD 21042 | AFLAC | $14 | — | $14 | 0.02% |
| JOSEPH B MCGINTY JR3 Filed as: JOSEPH MCGINTY JR | 1150 GLENLIVET DRIVE SUITE A13 ALLENTOWN, PA 18106 | AFLAC | $12 | $2 | $14 | 0.02% |
| JEREMY A FELDMAN3 Filed as: JEREMY FELDMAN | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $10 | — | $10 | 0.02% |
| KELLY LYNN FELDMAN3 Filed as: KELLY FELDMAN | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $5 | — | $5 | 0.01% |
| EDWIN VEGA3 | 134 PINECOVE AVENUE ODENTON, MD 21113 | AFLAC | $5 | — | $5 | 0.01% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES INSURANCE GROU | 1 KELLY WAY SPARKS, MD 21152 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $458 | $2K | 20.08% |
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 | 211 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 97 | $653K |
| Dental | CAREFIRST BLUECHOICE, INC. | 97 | $653K |
| Vision | CAREFIRST BLUECHOICE, INC. | 97 | $653K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 199 | $8K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 97 | $653K |
| Other(2 contracts, 2 carriers) | AFLAC | 199 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.