| 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. | $4K | $46K | $50K | 7.07% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | CAREFIRST BLUECHOICE, INC. | — | $16K | $16K | 2.19% |
| HEIGHT OF LIFE BENEFITS LLC3 | 9722 GROFFS MILL DRIVE SUITE 1004 OWINGS MILLS, MD 21117 | AFLAC | $5K | $65 | $5K | 7.86% |
| MEAGAN R SILVERMAN3 | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | AFLAC | $2K | — | $2K | 2.79% |
| JOSHUA M PINCUS SOKOLOFF3 | 6100 CHEVY CHASE DRIVE SUITE 105 LAUREL, MD 20707 | AFLAC | $620 | $19 | $639 | 1.03% |
| RACHEL A FOX3 | 3908 LONGMOOR CIRCLE PHOENIX, MD 21131 | AFLAC | $529 | $22 | $551 | 0.89% |
| ERIC M SILVERMAN3 | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | AFLAC | $464 | — | $464 | 0.75% |
| JENNA ZAHNER3 Filed as: JENNA ANN ZAHNER | 6 OVERSHOT COURT PHOENIX, MD 21131 | AFLAC | $384 | — | $384 | 0.62% |
| PAUL THAYER3 Filed as: PAUL B THAYER | 6 OVERSHOT COURT PHOENIX, MD 21131 | AFLAC | $322 | — | $322 | 0.52% |
| STEPHEN TANCREDI3 | 513 STEVENSON LANE TOWSON, MD 21286 | AFLAC | $267 | — | $267 | 0.43% |
| RACHEL PENNINGTON3 | 16 WESTMINSTER DRIVE BERLIN, MD 21811 | AFLAC | $249 | — | $249 | 0.40% |
| FREDERICK W WILSON III3 | 573 BELLEVUE ROAD NEWARK, DE 19713 | AFLAC | $164 | — | $164 | 0.26% |
| JOSEPH B MCGINTY JR3 | 2202 CROSS CREEK ROAD MACUNGIE, PA 18062 | AFLAC | $132 | $7 | $139 | 0.22% |
| JOHN F MEANS3 | 502 WASHINGTON AVENUE SUITE 600 TOWSON, MD 21204 | AFLAC | $104 | — | $104 | 0.17% |
| IMPACKTFUL BENEFITS SOLUTIONS LLC3 | 6456 CONTINENTAL DRIVE GLEN BURNIE, MD 21061 | AFLAC | $102 | — | $102 | 0.16% |
| R K TONGUE CO INC3 | 575 SOUTH CHARLES STREET SUITE 205 BALTIMORE, MD 21201 | AFLAC | $65 | — | $65 | 0.10% |
| MARK S DYSON3 | 9722 GROFFS MILL DRIVE SUITE 1004 OWINGS MILLS, MD 21117 | AFLAC | $36 | — | $36 | 0.06% |
| SCOTT M NATHAN3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $26 | — | $26 | 0.04% |
| JOSEPH B MCGINTY JR3 | 1150 GLENLIVET DRIVE SUITE A13 ALLENTOWN, PA 18106 | AFLAC | $24 | — | $24 | 0.04% |
| EUGEAN VANHORN3 | 201 PROFESSIONAL DRIVE GAITHERSBURG, MD 20879 | AFLAC | $24 | — | $24 | 0.04% |
| MARY ANNE MILLS3 | 36839 BI STATE BOULEVARD DELMAR, DE 19940 | AFLAC | $19 | — | $19 | 0.03% |
| JESSICA M CAIN3 | 5505 LAURELTON AVENUE BALTIMORE, MD 21214 | AFLAC | $14 | — | $14 | 0.02% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DRIVE ELLICOTT CITY, MD 21042 | AFLAC | $13 | — | $13 | 0.02% |
| MATTHEW W EVANS3 | 8370 VETERANS HIGHWAY SUITE 101 MILLERSVILLE, MD 21108 | AFLAC | $13 | — | $13 | 0.02% |
| JEREMY A FELDMAN3 | 12391 HIDDEN BAY DRIVE BERLIN, MD 21811 | AFLAC | $11 | — | $11 | 0.02% |
| LENSERF AND CO INC3 | 700 12TH STREET NORTHWEST SUITE 700 WASHINGTON, DC 20005 | AFLAC | $10 | — | $10 | 0.02% |
| SUSAN MCDANIEL3 | 7501 TRAFALGAR CIRCLE APARTMENT D221 HANOVER, MD 21076 | AFLAC | $10 | — | $10 | 0.02% |
| JOSHUA WOLF3 | 3913 BARTWOOD ROAD BALTIMORE, MD 21215 | AFLAC | $8 | — | $8 | 0.01% |
| LIBERTY INDUSTRIES LLC3 | 700 12TH STREET NORTHWEST SUITE 700 WASHINGTON, DC 20005 | AFLAC | $6 | — | $6 | 0.01% |
| JEAN CLAUDE FRESNEL JR3 | 700 12TH STREET NORTHWEST SUITE 700 WASHINGTON, DC 20005 | AFLAC | $5 | — | $5 | 0.01% |
| 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% |
| EDITH E LEWIS3 | 14579 LONDON LANE BOWIE, MD 20715 | AFLAC | $1 | — | $1 | 0.00% |
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 | 203 | 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) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 116 | $713K |
| Dental | CAREFIRST BLUECHOICE, INC. | 116 | $713K |
| Vision | CAREFIRST BLUECHOICE, INC. | 116 | $713K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 210 | $10K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 116 | $713K |
| Other(2 contracts, 2 carriers) | AFLAC | 210 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.