| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MATTHEW W EVANS3 Filed as: MATTHEW W. EVANS | 1344 ASHTON ROAD, SUITE 200 HANOVER, MD 21076 | AFLAC | $17K | $0 | $17K | 16.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC, INC | 9713 KEY WEST AVENUE, SUITE 401 ROCKVILLE, MD 20850 | AFLAC | $17K | $0 | $17K | 15.96% |
| ROBERT S PEVENSTEIN3 Filed as: ROBERT S. PEVENSTEIN | 400 EAST CROSS STREET BALTIMORE, MD 21230 | AFLAC | $5K | $0 | $5K | 4.44% |
| DREW SKIBITSKY3 Filed as: DREW M. SKIBITSKY | 1000 FELL STREET. APT 627 BALTIMORE, MD 21231 | AFLAC | $4K | $0 | $4K | 4.02% |
| SYDNEY R KEISER3 Filed as: SYDNEY R. KEISER | 1235 BERANS ROAD OWINGSMILLS, MD 21117 | AFLAC | $27 | $0 | $27 | 0.03% |
| CAROLIN BERMUDEZ3 | 703 ETHAN ALLEN AVENUE, SUITE 302 TAKOMA PARK, MD 20912 | AFLAC | $2 | $0 | $2 | 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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AFLAC | 700 | $106K |
| Other | AFLAC | 700 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 700 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.