| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TAMMY E JONES3 | 722 CYPRIAN COURT GAMBRILLS, MD 21054 | AFLAC | $14K | $490 | $14K | 13.44% |
| MATHEW W EVANS3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $4K | $98 | $4K | 4.27% |
| DREW SKIBITSKY3 | 1000 FELLS ST APT 627 BALTIMORE, MD 21231 | AFLAC | $2K | — | $2K | 1.70% |
| CAROLINE D MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $919 | $98 | $1K | 0.97% |
| MORGAN STANLEY INS SERVICES INC3 | 700 PLAZA 2 7TH FLOOR JERSEY CITY, NJ 07311 | AFLAC | $849 | — | $849 | 0.81% |
| JOHN A LECKLITER3 | 1915 TOWNE CENTRE BLVD UNIT 314 ANNAPOLIS, MD 21401 | AFLAC | $788 | — | $788 | 0.75% |
| ERIC M SILVERMAN3 | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | AFLAC | $719 | — | $719 | 0.69% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $671 | $21 | $692 | 0.66% |
| MELISSA S LYNCH3 | 507 AUGUSTA DR ARNOLD, MD 21012 | AFLAC | $310 | — | $310 | 0.30% |
| JEREMY A FELDMAN3 Filed as: JEREMY FELDMAN | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $43 | $2 | $45 | 0.04% |
| HILARY RADOLEC3 | 4801 FAIRMONT AVE APT 713 BETHESDA, MD 20814 | AFLAC | $21 | $11 | $32 | 0.03% |
| DALE SHADDOCK3 | 19 CEDARVALE CT COCKEYSVILLE, MD 21030 | AFLAC | $7 | $8 | $15 | 0.01% |
| KELLY LYNN FELDMAN3 Filed as: KELLY FELDMAN | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $14 | — | $14 | 0.01% |
| DAVID WAGENHEIM3 | 582 WOODBINE AVE TOWSON, MD 21204 | AFLAC | $11 | — | $11 | 0.01% |
| EDWIN VEGA3 | 134 PINECOVE AVE ODENTON, MD 21113 | AFLAC | $2 | — | $2 | 0.00% |
| SCHOENFELD INSURANCE ASSOCIATES INC3 | 6225 SMITH AVENUE SUITE B200 BALTIMORE, MD 21209 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 10.86% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATIES INSURANCE GROUP | 1 KELLY WAY SPARKS, MD 21152 | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | $4K | — | $4K | 9.26% |
| SCHOENFELD INSURANCE ASSOCIATES INC3 | 6225 SMITH AVENUE #B200 BALTIMORE, MD 21209 | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | $3K | — | $3K | 6.83% |
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 | 356 | 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) | 356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 82 | $105K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 356 | $87K |
| Short-term disability | AFLAC | 82 | $105K |
| Long-term disability | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | 66 | $47K |
| Other(2 contracts, 2 carriers) | AFLAC | 356 | $192K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 356 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.