| 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. | $115K | $0 | $115K | 2.11% |
| WILLIAM SPOTTS3 Filed as: WILLIAM F. SPOTTS | 307 INTERNATIONAL CIRCLE SUITE 390 HUNT VALLEY, MD 21031 | DOMINION DENTAL SERVICES, INC. | $14K | $0 | $14K | 5.83% |
| HERITAGE BENEFITS LLC3 | 307 INTERNATIONAL CIRCLE SUITE 390 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $6K | $12K | 8.94% |
| HERITAGE BENEFITS LLC3 | 307 INTERNATIONAL CIRCLE, SUITE 390 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $33K | $6K | $39K | 29.61% |
| HERITAGE BENEFITS LLC3 | 307 INTERNATIONAL CIRCLE, SUITE 390 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $4K | $9K | 10.72% |
| HERITAGE BENEFITS LLC3 | 307 INTERNATIONAL CIRCLE, SUITE 390 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $7K | 11.73% |
| WILLIAM SPOTTS3 | 307 INTERNATIONAL CIRCLE, SUITE 390 HUNT VALLEY, MD 21030 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.89% |
| WILLIAM FRANKLIN SPOTTS3 | 307 INTERNATIONAL CIRCLE SUITE 390 HUNT VALLEY, MD 21030 | AFLAC | $919 | $0 | $919 | 3.20% |
| JASON D ELLIS3 Filed as: JASON ALLEN BARE | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $783 | $0 | $783 | 2.73% |
| STEPHEN J SALAMON3 Filed as: STEPHEN SALAMON | PO BOX 4252 TIMONIUM, MD 21094 | AFLAC | $353 | $0 | $353 | 1.23% |
| MICHAEL C WALKER3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $180 | $0 | $180 | 0.63% |
| AUTUMN STROHMAIER3 | 176 S SHORE RD ELKTON, MD 21921 | AFLAC | $179 | $0 | $179 | 0.62% |
| LISA M GROOM3 | 4 REVELSTONE DRIVE NEWARK, DE 19711 | AFLAC | $176 | $0 | $176 | 0.61% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFITS GROUP, LLC | 203 MARKET STREET, SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $167 | $0 | $167 | 0.58% |
| JULIA M SALAMON3 | PO BOX 4252 TIMONIUM, MD 21094 | AFLAC | $151 | $0 | $151 | 0.53% |
| MATTHEW D DIPASQUALE3 Filed as: MATTHEW DIPASQUALE | 403 S EAST AVE BALTIMORE, MD 21224 | AFLAC | $102 | $0 | $102 | 0.36% |
| LEILA RAPPAPORT3 | 123 MENDEL CT BEAR, DE 19701 | AFLAC | $54 | $0 | $54 | 0.19% |
| SUSAN L MCCLANE3 Filed as: SUSAN MCCLANE | PO BOX 52 HAVRE DE GRACE, MD 21078 | AFLAC | $50 | $0 | $50 | 0.17% |
| JASON D ELLIS3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $34 | $0 | $34 | 0.12% |
| MICHAEL EDWARD RISKA3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $34 | $0 | $34 | 0.12% |
| WESLEY K JOHNSON II3 | 8 REED CIRCLE RISING SUN, MD 21911 | AFLAC | $33 | $0 | $33 | 0.11% |
| MICHAEL K VOLL JR3 | 3495 GRACE ANN DRIVE VINELAND, NJ 08360 | AFLAC | $30 | $0 | $30 | 0.10% |
| KATHLEEN M KONEGAN3 | 3050 HIGHWOODS DR ASTON, PA 19014 | AFLAC | $29 | $0 | $29 | 0.10% |
| MARYANN M MEYERS3 | 6704 PLEASURE AVENUE SUITE B SEA ISLE CITY, NJ 08243 | AFLAC | $29 | $0 | $29 | 0.10% |
| INNOVATIVE MANAGEMENT, INC.3 Filed as: INNOVATIVE MANAGEMENT | 415 S WASHINGTON ST MILFORD, DE 19963 | AFLAC | $23 | $0 | $23 | 0.08% |
| DAVID MORNINGSTAR3 | 11285 DOVEDAL CT FLOOR 2 MARRIOTTSVILLE, MD 21104 | AFLAC | $19 | $0 | $19 | 0.07% |
| AAA CLUB ALLIANCE INC3 | 1 RIVER PL WILMINGTON, DE 19801 | AFLAC | $14 | $0 | $14 | 0.05% |
| RICHARD H TOBIAS3 | 416 W JEFFERSON AVE LINWOOD, NJ 08221 | AFLAC | $12 | $0 | $12 | 0.04% |
| MAIN LINE BENEFIT SOLUTIONS LLC3 Filed as: MAIN LINE BENEFIT SOLUTIONS | 5 GREAT VALLEY PARKWAY STE 100 MALVERN, PA 19355 | AFLAC | $12 | $0 | $12 | 0.04% |
| CAROLE H REID-GRANFIELD3 | 2791 HILLS MARKET ROAD FELTON, DE 19943 | AFLAC | $10 | $0 | $10 | 0.03% |
| JORDAN A PURCELL3 Filed as: JORDAN A. PURCELL | 301 VICTORY GALLOP CT SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $8 | $0 | $8 | 0.03% |
| THOMAS J POPPERT3 Filed as: THOMAS J. POPPERT | 1001 RAY COSTIN WAY UNITE 1601 MURRELLS INLET, SC 29576 | AFLAC | $6 | $0 | $6 | 0.02% |
| HILARY RADOLEC3 | 4801 FAIRMONT AVE APT 713 BETHESDA, MD 20814 | AFLAC | $4 | $0 | $4 | 0.01% |
| EXSEPTIONAL SERVICES INC3 Filed as: EXSEPTIONAL SERVICES INC. | 158 PRINTERS LANE NEW LONDON, NC 28127 | AFLAC | $4 | $0 | $4 | 0.01% |
| JEREMY A FELDMAN3 | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $4 | $0 | $4 | 0.01% |
| BRADLEY S JONES3 Filed as: BRADLEY S. JONES | 10 BRITISH AMERICAN BLVD WEST LATHAM, NY 12110 | AFLAC | $2 | $0 | $2 | 0.01% |
| LORENZO V CUTAIA3 | 123 AZALEA LANE EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $2 | $0 | $2 | 0.01% |
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 | 471 | 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) | 471 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF DELAWARE, INC. | 812 | $5.5M |
| Dental | DOMINION DENTAL SERVICES, INC. | 354 | $245K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 535 | $48K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 471 | $268K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 471 | $62K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 471 | $80K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 471 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 812 | — |
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.