| 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 | $13K | — | $13K | 8.88% |
| TAMMY E JONES3 | 722 CYPRIAN COURT GAMBRILLS, MD 21054 | AFLAC | $8K | $194 | $8K | 8.64% |
| MATHEW W EVANS3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $3K | $38 | $3K | 2.82% |
| DREW SKIBITSKY3 | 1344 ASHTON RD STE 200 HANOVER, MD 21076 | AFLAC | $3K | $38 | $3K | 2.66% |
| JOHN A LECKLITER3 Filed as: JOHN LECKLITER | 10 LINDA LN SEVERNA PARK, MD 21146 | AFLAC | $515 | — | $515 | 0.53% |
| MORGAN STANLEY INS SERVICES INC3 | 700 PLAZA TWO 7TH FL JERSEY CITY, NJ 07311 | AFLAC | $466 | — | $466 | 0.48% |
| ERIC M SILVERMAN3 Filed as: ERIC SILVERMAN | 1423 MARTIN MEADOWS DR FALLSTON, MD 21047 | AFLAC | $386 | — | $386 | 0.40% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $317 | — | $317 | 0.33% |
| CAROLINE D MORNINGSTAR3 Filed as: CAROLINE MORNINGSTAR | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $238 | — | $238 | 0.25% |
| MELISSA S LYNCH3 Filed as: MELISSA LYNCH | 507 AUGUSTA DR ARNOLD, MD 21012 | AFLAC | $125 | — | $125 | 0.13% |
| MICHELLE LECKLITER3 | 10 LINDA LN SEVERNA PARK, MD 21146 | AFLAC | $88 | — | $88 | 0.09% |
| JEREMY A FELDMAN3 Filed as: JEREMY FELDMAN | 12391 HIDDEN BAY DR BERLIN, MD 21811 | AFLAC | $72 | — | $72 | 0.07% |
| KELLY LYNN FELDMAN3 Filed as: KELLY FELDMAN | 12391 HODDEN BAY DR BERLIN, MD 21811 | AFLAC | $26 | — | $26 | 0.03% |
| HILARY RADOLEC3 | 165 CROSSBOW LN GAITHERSBURG, MD 20878 | AFLAC | $21 | — | $21 | 0.02% |
| DAVID WAGENHEIM3 Filed as: DAVID WAGEHEIM | 582 WOODBINE AVE TOWSON, MD 21204 | AFLAC | $20 | — | $20 | 0.02% |
| VICTOR EGONU3 | 8839 KELSO DR ESSEX, MD 21221 | AFLAC | $12 | — | $12 | 0.01% |
| QSMR INC3 | 1344 ASHTON RD STE 200 HANOVER, MD 21076 | AFLAC | $10 | — | $10 | 0.01% |
| WILLIAM FEDO3 | 3224 SUMMIT AVE PARKVILLE, MD 21234 | AFLAC | $9 | — | $9 | 0.01% |
| DALE SHADDOCK3 | 8927 MAYFLOWER RD ROSEDALE, MD 21237 | AFLAC | $6 | — | $6 | 0.01% |
| EDWIN VEGA3 | 134 PINECOVE AVE ODENTON, MD 21113 | AFLAC | $5 | — | $5 | 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 | 462 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 464 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 76 | $97K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 462 | $149K |
| Short-term disability | AFLAC | 76 | $97K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 462 | $149K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 462 | $246K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 462 | — |
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.