| 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 | $12K | — | $12K | 10.33% |
| TAMMY E JONES3 | 722 CYPRIAN COURT GAMBRILLS, MD 21054 | AFLAC | $10K | $657 | $11K | 9.69% |
| MATHEW W EVANS3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $4K | $131 | $4K | 3.34% |
| DREW SKIBITSKY3 | 1000 FELL ST APT 627 BALTIMORE, MD 21231 | AFLAC | $3K | $131 | $3K | 2.92% |
| MICHELLE LECKLITER3 | 10 LINDA LN SEVERNA PARK, MD 21146 | AFLAC | $1K | — | $1K | 1.05% |
| JOHN A LECKLITER3 Filed as: JOHN LECKLITER | 10 LINDA LN SEVERNA PARK, MD 21146 | AFLAC | $634 | — | $634 | 0.56% |
| MORGAN STANLEY INS SERVICES INC3 | 700 PLAZA TWO 7TH FL JERSEY CITY, NJ 07311 | AFLAC | $579 | — | $579 | 0.51% |
| KATERINE COOK3 | 1344 ASHTON RD STE 200 HANOVER, MD 21076 | AFLAC | $509 | — | $509 | 0.45% |
| ERIC M SILVERMAN3 Filed as: ERIC SILVERMAN | 1423 MARTIN MEADOWS DR FALLSTON, MD 21047 | AFLAC | $486 | — | $486 | 0.43% |
| SHANNON PITTS3 | 4115 COLUMBIA RD SUITE 5 PMB 198 MARTINEZ, GA 30907 | AFLAC | $471 | — | $471 | 0.41% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE CT 2ND FL MARRIOTTSVILLE, MD 21104 | AFLAC | $416 | — | $416 | 0.36% |
| CAROLINE D MORNINGSTAR3 Filed as: CAROLINE MORNINGSTAR | 11285 DOVEDALE CT 2ND FL MARIOTTSVILLE, MD 21104 | AFLAC | $380 | — | $380 | 0.33% |
| BRADY SEABOLT3 | 1344 ASHTON RD STE 200 HANOVER, MD 21076 | AFLAC | $221 | — | $221 | 0.19% |
| VICTOR EGONU3 | 8839 KELSO DR ESSEX, MD 21221 | AFLAC | $179 | — | $179 | 0.16% |
| MELISSA S LYNCH3 Filed as: MELISSA LYNCH | 507 AUGUSTA DR ARNOLD, MD 21012 | AFLAC | $162 | — | $162 | 0.14% |
| JEREMY A FELDMAN3 Filed as: JEREMY FELDMAN | 15424 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $94 | — | $94 | 0.08% |
| WILLIAM FEDO3 | 8 FITZGERALD CT APT B PARVILLE, MD 21234 | AFLAC | $51 | — | $51 | 0.04% |
| HILARY RADOLEC3 | 4801 FAIRMONT AVE APT 713 BETHESDA, MD 20814 | AFLAC | $35 | — | $35 | 0.03% |
| KELLY LYNN FELDMAN3 Filed as: KELLY FELDMAN | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $32 | — | $32 | 0.03% |
| DAVID WAGENHEIM3 | 582 WOODBINE AVE TOWSON, MD 21204 | AFLAC | $26 | — | $26 | 0.02% |
| QSMR INC3 | 1344 ASHTON RD STE 200 HANOVER, MD 21076 | AFLAC | $25 | — | $25 | 0.02% |
| DALE SHADDOCK3 | 19 CEDARVALE CT COCKEYSVILLE, MD 21030 | AFLAC | $21 | — | $21 | 0.02% |
| BRYAN FISH3 | 4050 CANDLE LIGHT DR DAYTON, MD 21036 | AFLAC | $12 | — | $12 | 0.01% |
| BRIAN GEORGE JAEGGI3 Filed as: BRIAN JAEGGI | 15607 W LILLI WAY VAN NUYS, CA 91406 | AFLAC | $10 | — | $10 | 0.01% |
| CONSTANTINE HADJIS3 | 8721 LACKAWANNA AVE PARKVILLE, MD 21234 | AFLAC | $10 | — | $10 | 0.01% |
| EDWIN VEGA3 | 134 PINECOVE AVE ODENTON, MD 21113 | AFLAC | $6 | — | $6 | 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 | 391 | 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) | 391 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 83 | $114K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 391 | $114K |
| Short-term disability | AFLAC | 83 | $114K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 391 | $114K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 391 | $228K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 391 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.