| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HERITAGE BENEFITS LLC3 Filed as: HERITAGE FINANCIAL CONSULTANTS, LLC | 307 INTERNATIONAL CIRCLE, SUITE 390 HUNT VALLEY, MD 21030 | BLUE CROSS BLUE SHIELD OF DELAWARE, INC. | $42K | $0 | $42K | 0.87% |
| WILLIAM SPOTTS3 | 307 INTERNATIONAL CIRCLE, SUITE 390 HUNT VALLEY, MD 21030 | DOMINION DENTAL SERVICES, INC | $15K | $0 | $15K | 9.39% |
| ANTHONY PATRICK, LLC3 | 307 INTERNATIONAL CIRCLE, SUITE 390 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $6K | $11K | 9.14% |
| ANTHONY PATRICK, LLC3 | 307 INTERNATIONAL CIRCLE, SUITE 390 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $30K | $6K | $36K | 30.01% |
| ANTHONY PATRICK, LLC3 | 307 INTERNATIONAL CIRCLE, SUITE 390 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $8K | 10.94% |
| ANTHONY PATRICK, LLC3 | 307 INTERNATIONAL CIRCLE, SUITE 390 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $7K | 11.92% |
| WILLIAM SPOTTS3 | 307 INTERNATIONAL CIRCLE, SUITE 390 HUNT VALLEY, MD 21030 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $4K | — | $4K | 9.74% |
| JASON D ELLIS3 Filed as: JASON ALLEN BARE | 203 MARKET STREET, SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $1K | $225 | $2K | 5.52% |
| WILLIAM FRANKLIN SPOTTS3 | 307 INTERNATIONAL CIRCLE, SUITE 390 HUNT VALLEY, MD 21030 | AFLAC | $1K | $0 | $1K | 4.71% |
| STEPHEN J SALAMON3 Filed as: STEPHEN SALAMON | PO BOX 4252 TIMONIUM, MD 21094 | AFLAC | $416 | — | $416 | 1.37% |
| MICHAEL C WALKER3 Filed as: MICHAEL WALKER | 203 MARKET STREET, SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $295 | $38 | $333 | 1.10% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFITS GROUP, LLC | 203 MARKET STREET, SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $221 | $0 | $221 | 0.73% |
| AUTUMN STROHMAIER3 | 254 CHAPMAN RD, STE 203 NEWARK, DE 19702 | AFLAC | $199 | $0 | $199 | 0.66% |
| JULIA M SALAMON3 Filed as: JULIA SALAMON | PO BOX 4252 TIMONIUM, MD 21094 | AFLAC | $176 | $0 | $176 | 0.58% |
| MATTHEW D DIPASQUALE3 Filed as: MATTHEW DIPASQUALE | 403 S EAST AVE BALTIMORE, MD 21224 | AFLAC | $120 | $0 | $120 | 0.40% |
| WESLEY K JOHNSON II3 Filed as: WESLEY JOHNSON II | 8 REED CIRCLE RISING SUN, MD 21911 | AFLAC | $109 | $0 | $109 | 0.36% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE CT, 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $53 | $27 | $80 | 0.26% |
| LEILA RAPPAPORT3 | 123 MENDEL CT BEAR, DE 19701 | AFLAC | $64 | $0 | $64 | 0.21% |
| SUSAN L MCCLANE3 Filed as: SUSAN MCCLANE | PO BOX 52 HAVRE DE GRACE, MD 21078 | AFLAC | $50 | — | $50 | 0.17% |
| MICHAEL K VOLL JR3 Filed as: MICHAEL VOLL JR | 3495 GRACE ANN DR VINELAND, NJ 08360 | AFLAC | $33 | $0 | $33 | 0.11% |
| INNOVATIVE MANAGEMENT, INC.3 | 415 S WASHINGTON ST MILFORD, DE 19963 | AFLAC | $30 | $0 | $30 | 0.10% |
| KATHLEEN M KONEGAN3 Filed as: KATHLEEN KONEGAN | 3050 HIGHWOODS DR ASHTON, PA 19014 | AFLAC | $29 | — | $29 | 0.10% |
| MARYANN M MEYERS3 Filed as: MARYANN MEYERS | 6704 PLEASURE AVE, STE B SEA ISLE CITY, NJ 08243 | AFLAC | $29 | $0 | $29 | 0.10% |
| AAA CLUB ALLIANCE INC3 Filed as: AAA MID ATLANTIC, INC. | 1 RIVER PLACE WILMINGTON, DE 19801 | AFLAC | $14 | $0 | $14 | 0.05% |
| CAROL REID-GRANDFIELD3 | 2791 HILLS MARKET RD FELTON, DE 19801 | AFLAC | $13 | $0 | $13 | 0.04% |
| RICHARD H TOBIAS3 Filed as: RICHARD TOBIAS | 416 W JEFFERSON AVE LINWOOD, NJ 08221 | AFLAC | $12 | $0 | $12 | 0.04% |
| HOOK ENTERPRISES LLC3 Filed as: HOOK ENTERPRISES, LLC | 5 GREAT VALLEY PARKWAY, STE 100 MALVERN, PA 19355 | AFLAC | $12 | $0 | $12 | 0.04% |
| JORDAN A PURCELL3 Filed as: JORDAN PURCELL | 301 VICTORY GALLOP CT HAVRE DE GRACE, MD 21078 | AFLAC | $11 | $0 | $11 | 0.04% |
| THOMAS J POPPERT3 Filed as: THOMAS POPPERT | 1762 MIDDLETOWN RD GLEN MILLS, PA 19342 | AFLAC | $6 | $0 | $6 | 0.02% |
| EXSEPTIONAL SERVICES INC3 Filed as: EXSEPTIONAL SERVICES, INC | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $4 | $0 | $4 | 0.01% |
| BRADLEY S JONES3 Filed as: BRADLEY JONES | 19 BRITISH AMERICAN BLVD WEST LATHAM, NY 12110 | AFLAC | $3 | $0 | $3 | 0.01% |
| LORENZO V CUTAIA3 Filed as: LORENZO CUTAIA | 123 AZALEA LANE EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $2 | $0 | $2 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HFS BENEFITS EIN 39-1561025 0 | Contract Administrator Service code 13 | PO BOX 1550 HUNT VALLEY, MD 21030 | $9K |
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 | 449 | 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) | 449 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF DELAWARE, INC. | 744 | $4.9M |
| Dental | DOMINION DENTAL SERVICES, INC | 317 | $155K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 459 | $45K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 449 | $56K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 449 | $73K |
| Other(4 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF DELAWARE, INC. | 744 | $5.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 744 | — |
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."
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.