| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 Filed as: SCHOENFELD INSURACE ASSOCIATES INC | 6225 SMITH AVENUE SUITE B200 BALTIMORE, MD 21209 | METROPOLITAN LIFE INSURANCE COMAPNY | $5K | — | $5K | 13.75% |
| TAMMY E JONES3 | 722 CYPRIAN CT GAMBRILLS, MD 21054 | AFLAC | $1K | $121 | $1K | 5.38% |
| VERONIKA BEAVER3 | 9640 EAVES DR OWINGS MILLS, MD 21117 | AFLAC | $465 | $74 | $539 | 2.33% |
| DREW SKIBITSKY3 | 1344 ASHTON RD STE 200 HANOVER, MD 21076 | AFLAC | $494 | $24 | $518 | 2.24% |
| MATTHEW W EVANS3 | 1344 ASHTON RD STE 200 HANOVER, MD 21076 | AFLAC | $256 | $24 | $280 | 1.21% |
| BRYAN FISH3 | 4050 CANDLE LIGHT DR DAYTON, MD 21036 | AFLAC | $162 | $12 | $174 | 0.75% |
| GEOFFREY CUNEO3 | 1804 ROBERT SMALL RD ANNAPOLIS, MD 21401 | AFLAC | $114 | — | $114 | 0.49% |
| MARCI COHEN3 | 10100 TWIN RIVERS RD APT 422 COLUMBIA, MD 21044 | AFLAC | $17 | — | $17 | 0.07% |
| SIMON JONES3 | 7407 HICKORY LOG CIR COLUMBIA, MD 21045 | AFLAC | $14 | — | $14 | 0.06% |
| KRISTAN MALACRIDA3 | 4050 CANDLE LIGHT DR DAYTON, MD 21036 | AFLAC | $7 | — | $7 | 0.03% |
| MARK D STONER3 | 10170 CAPE ANN DR COLUMBIA, MD 21046 | AFLAC | $6 | — | $6 | 0.03% |
| JEANENE MOTSCO3 | 5965 SANDY RDG ELKRIDGE, MD 21075 | AFLAC | $2 | — | $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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMAPNY | 136 | $39K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMAPNY | 136 | $39K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMAPNY | 136 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.