| 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. | $3K | $29K | $33K | 5.23% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | CAREFIRST BLUECHOICE, INC. | — | $13K | $13K | 2.05% |
| MARK S DYSON3 | 10461 MILL RUN CIRCLE SUITE 210 OWINGS MILLS, MD 21117 | AFLAC | $2K | $237 | $2K | 3.03% |
| MEAGAN R SILVERMAN3 | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | AFLAC | $2K | — | $2K | 2.58% |
| HEIGHT OF LIFE BENEFITS LLC3 | 10461 MILL RUN CIRCLE SUITE 210 OWINGS MILLS, MD 21117 | AFLAC | $1K | — | $1K | 1.96% |
| RACHEL A FOX3 | 3908 LONGMOOR CIRCLE PHOENIX, MD 21131 | AFLAC | $708 | $50 | $758 | 1.27% |
| ERIC M SILVERMAN3 | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | AFLAC | $618 | — | $618 | 1.04% |
| JENNA ZAHNER3 Filed as: JENNA ANN ZAHNER | 6 OVERSHOT COURT PHOENIX, MD 21131 | AFLAC | $514 | — | $514 | 0.86% |
| PAUL THAYER3 Filed as: PAUL B THAYER | 6 OVERSHOT COURT PHOENIX, MD 21131 | AFLAC | $414 | — | $414 | 0.69% |
| JOSHUA M PINCUS SOKOLOFF3 | 6100 CHEVY CHASE DRIVE SUITE 105 LAUREL, MD 20707 | AFLAC | $367 | — | $367 | 0.62% |
| RACHEL PENNINGTON3 | 16 WESTMINSTER DRIVE BERLIN, MD 21811 | AFLAC | $333 | — | $333 | 0.56% |
| JHARANA CHALISE3 | 3711 PUTTY HILL AVENUE NOTTINGHAM, MD 21236 | AFLAC | $188 | $112 | $300 | 0.50% |
| FREDERICK W WILSON III3 | 573 BELLEVUE ROAD NEWARK, DE 19713 | AFLAC | $212 | $65 | $277 | 0.46% |
| SCOTT M NATHAN3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $150 | — | $150 | 0.25% |
| JOHN F MEANS3 | 502 WASHINGTON AVENUE SUITE 600 TOWSON, MD 21204 | AFLAC | $140 | — | $140 | 0.23% |
| JOSEPH B MCGINTY JR3 | 1150 GLENLIVET DRIVE SUITE A13 ALLENTOWN, PA 18106 | AFLAC | $101 | — | $101 | 0.17% |
| R K TONGUE CO INC3 | 575 SOUTH CHARLES STREET SUITE 205 BALTIMORE, MD 21201 | AFLAC | $65 | — | $65 | 0.11% |
| EUGEAN VANHORN3 | 201 PROFESSIONAL DRIVE GAITHERSBURG, MD 20879 | AFLAC | $58 | — | $58 | 0.10% |
| MATTHEW W EVANS3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $47 | — | $47 | 0.08% |
| JOSHUA WOLF3 | 3913 BARTWOOD ROAD BALTIMORE, MD 21215 | AFLAC | $44 | — | $44 | 0.07% |
| MARY ANNE MILLS3 | 36839 BI STATE BOULEVARD DELMAR, DE 19940 | AFLAC | $34 | — | $34 | 0.06% |
| TYNEKA PACK3 | 6456 CONTINENTAL DRIVE GLEN BURNIE, MD 21061 | AFLAC | $20 | — | $20 | 0.03% |
| JESSICA M CAIN3 | 5505 LAURELTON AVENUE BALTIMORE, MD 21214 | AFLAC | $14 | — | $14 | 0.02% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DRIVE SUITE A13 ELLICOTT CITY, MD 21042 | AFLAC | $13 | — | $13 | 0.02% |
| JEREMY A FELDMAN3 | 12391 HIDDEN BAY DRIVE BERLIN, MD 21811 | AFLAC | $10 | — | $10 | 0.02% |
| EDWIN VEGA3 | 8214 LEE AVENUE SEVERN, MD 21144 | AFLAC | $5 | — | $5 | 0.01% |
| KELLY LYNN FELDMAN3 | 12391 HIDDEN BAY DRIVE BERLIN, MD 21811 | 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 | $568 | $2K | 19.14% |
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 | 216 | 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) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 108 | $624K |
| Dental | CAREFIRST BLUECHOICE, INC. | 108 | $624K |
| Vision | CAREFIRST BLUECHOICE, INC. | 108 | $624K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 201 | $10K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 108 | $624K |
| Other(2 contracts, 2 carriers) | AFLAC | 201 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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.