| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHOENFELD INSURANCE ASSOCIATES INC3 | 6225 SMITH AVENUE SUITE B200 BALTIMORE, MD 21209 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 11.12% |
| TAMMY E JONES3 | 722 CYPRIAN COURT GAMBRILLS, MD 21054 | AFLAC | $10K | $503 | $10K | 15.55% |
| MATHEW W EVANS3 | 817 MAIDEN CHOICE LANE SUITE 340 CATONSVILLE, MD 21228 | AFLAC | $3K | $100 | $3K | 5.15% |
| CAROLINE D MORNINGSTAR3 Filed as: CAROLINE D MORINGSTAR | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $1K | $100 | $1K | 2.26% |
| DAVID MORNINGSTAR3 Filed as: DAVID MORNING STAR | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $997 | $100 | $1K | 1.67% |
| MORGAN STANLEY INS SERVICES INC3 | 700 PLAZA 2 7TH FLOOR JERSEY CITY, NJ 07311 | AFLAC | $680 | — | $680 | 1.03% |
| ERIC M SILVERMAN3 | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | AFLAC | $575 | — | $575 | 0.87% |
| JOHN A LECKLITER3 | 1915 TOWNE CENTRE BLVD UNIT 314 ANNAPOLIS, MD 21401 | AFLAC | $318 | — | $318 | 0.48% |
| JOHN A LECKLITER3 | 1915 TOWNE CENTRE BLVD UNIT 302 ANNAPOLIS, MD 21401 | AFLAC | $305 | — | $305 | 0.46% |
| MELISSA S LYNCH3 | 507 AUGUSTA DR ARNOLD, MD 21012 | AFLAC | $253 | — | $253 | 0.38% |
| SCHOENFELD INSURANCE ASSOCIATES INC3 | 6225 SMITH AVENUE #B200 BALTIMORE, MD 21209 | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
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 | 361 | 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) | 361 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 57 | $66K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 361 | $87K |
| Short-term disability | AFLAC | 57 | $66K |
| Long-term disability | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | 65 | $47K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 361 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 361 | — |
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.