| 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 | $4K | — | $4K | 10.64% |
| TAMMY E JONES3 | 722 CYPRIAN CT GAMBRILLS, MD 21054 | AFLAC | $667 | $14 | $681 | 3.68% |
| VERONIKA BEAVER3 | 9640 EAVES DR OWINGS MILLS, MD 21117 | AFLAC | $324 | — | $324 | 1.75% |
| DREW SKIBITSKY3 | 1344 ASHTON RD STE 200 HANOVER, MD 21076 | AFLAC | $315 | $3 | $318 | 1.72% |
| BRYAN FISH3 | 4050 CANDLE LIGHT DR DAYTON, MD 21036 | AFLAC | $132 | — | $132 | 0.71% |
| MATTHEW W EVANS3 | 8370 VETERANS HWY STE 101 MILLERSVILLE, MD 21108 | AFLAC | $129 | $3 | $132 | 0.71% |
| GEOFFREY CUNEO3 | 538 LOUGHTON LN ARNOLD, MD 21012 | AFLAC | $101 | — | $101 | 0.55% |
| MATTHEW W EVANS3 | 1344 ASHTON RD STE 200 HANOVER, MD 21076 | AFLAC | $38 | — | $38 | 0.21% |
| DREW SKIBITSKY3 | 8370 VETERANS HWY STE 101 MILLERSVILLE, MD 21108 | AFLAC | $26 | — | $26 | 0.14% |
| MARCI COHEN3 | 10100 TWIN RIVERS RD APT 422 COLUMBIA, MD 21044 | AFLAC | $15 | — | $15 | 0.08% |
| SIMON JONES3 | 7407 HICKORY LOG CIR COLUMBIA, MD 21045 | AFLAC | $13 | — | $13 | 0.07% |
| KRISTAN MALACRIDA3 | 4050 CANDLE LIGHT DR DAYTON, MD 21036 | AFLAC | $6 | — | $6 | 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 | $1 | — | $1 | 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 | 104 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMAPNY | 104 | $37K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMAPNY | 104 | $37K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMAPNY | 104 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104 | — |
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.