| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TAMMY E JONES3 | 722 CYPRIAN COURT GAMBRILLS, MD 21054 | AFLAC | $16K | $989 | $17K | 14.25% |
| MATHEW W EVANS3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $4K | $197 | $5K | 3.88% |
| DREW SKIBITSKY3 | 1000 FELLS ST APT 627 BALTIMORE, MD 21231 | AFLAC | $3K | $197 | $4K | 2.98% |
| MORGAN STANLEY INS SERVICES INC3 | 700 PLAZA 2 7TH FLOOR JERSEY CITY, NJ 07311 | AFLAC | $683 | — | $683 | 0.58% |
| JOHN A LECKLITER3 | 1915 TOWNE CENTRE BLVD UNIT 314 ANNAPOLIS, MD 21401 | AFLAC | $641 | — | $641 | 0.54% |
| ERIC M SILVERMAN3 | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | AFLAC | $578 | — | $578 | 0.49% |
| CAROLINE D MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $541 | — | $541 | 0.46% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $498 | — | $498 | 0.42% |
| MELISSA S LYNCH3 | 507 AUGUSTA DR ARNOLD, MD 21012 | AFLAC | $227 | — | $227 | 0.19% |
| JEREMY A FELDMAN3 Filed as: JEREMY FELDMAN | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $113 | — | $113 | 0.10% |
| HILARY RADOLEC3 | 4801 FAIRMONT AVE APT 713 BETHESDA, MD 20814 | AFLAC | $54 | — | $54 | 0.05% |
| KELLY LYNN FELDMAN3 Filed as: KELLY FELDMAN | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $38 | — | $38 | 0.03% |
| DAVID WAGENHEIM3 | 582 WOODBINE AVE TOWSON, MD 21204 | AFLAC | $30 | — | $30 | 0.03% |
| DALE SHADDOCK3 | 19 CEDARVALE CT COCKEYSVILLE, MD 21030 | AFLAC | $20 | — | $20 | 0.02% |
| EDWIN VEGA3 | 134 PINECOVE AVE ODENTON, MD 21113 | AFLAC | $8 | — | $8 | 0.01% |
| BRYAN FISH3 | 4050 CANDLE LIGHT DR DAYTON, MD 21036 | AFLAC | $7 | — | $7 | 0.01% |
| BRIAN GEORGE JAEGGI3 Filed as: BRIAN JAEGGI | 15607 W LILLI WAY VAN NUYS, CA 91406 | AFLAC | $6 | — | $6 | 0.01% |
| CONSTANTINE HADJIS3 | 8721 LACKAWANNA AVE PARKVILLE, MD 21234 | AFLAC | $6 | — | $6 | 0.01% |
| SCHOENFELD INSURANCE ASSOCIATES INC3 | 6225 SMITH AVENUE SUITE B200 BALTIMORE, MD 21209 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 9.99% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | $3K | — | $3K | 17.00% |
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 | 390 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 393 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 88 | $118K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 390 | $99K |
| Short-term disability | AFLAC | 88 | $118K |
| Long-term disability | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | 89 | $19K |
| Other(2 contracts, 2 carriers) | AFLAC | 390 | $216K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 390 | — |
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.