| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MELNICK INS LLC3 Filed as: MELNICK INSURANCE LLC | 79 RAISIN TREE CIRCLE PIKESVILLE, MD 21208 | CAREFIRST BLUECHOICE, INC. | — | $45K | $45K | 7.48% |
| INSGROUP INC3 Filed as: KELLY & ASSOCIES INSURANCE GROUP IN | 1 KELLY WAY SPARKS, MD 21152 | CAREFIRST BLUECHOICE, INC. | — | $9K | $9K | 1.49% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | UNITED CONCORDIA INSURANCE COMPANY | $4K | — | $4K | 7.02% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC INS GRP INC | 1 KELLY WAY SPARKS GLENCO, MD 21152 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 16.68% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC INS GRP INC | 1 KELLY WAY SPARKS GLENCO, MD 21152 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.98% |
| KAREN A DEVINE3 | 46965 CAMEO LANE APARTMENT 404 LEXINGTON PARK, MD 20653 | AFLAC | $2K | $88 | $2K | 5.75% |
| CEDAR POINT FINANCIAL SERVICE INC3 | 22745 MAPLE ROAD LEXINGTON PARK, MD 20653 | AFLAC | $848 | — | $848 | 2.58% |
| THOMAS ASSOCIATES LLC3 | 2801 SCENIC MEADOW STREET WALDORF, MD 20603 | AFLAC | $588 | — | $588 | 1.79% |
| MICHAEL C WALKER3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $426 | $18 | $444 | 1.35% |
| MICHAEL EDWARD RISKA3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $291 | $18 | $309 | 0.94% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $241 | — | $241 | 0.73% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DRIVE ELLICOTT CITY, MD 21042 | AFLAC | $105 | — | $105 | 0.32% |
| DAWN M WITTFELT3 | 810 RIVER ROAD 2ND FLOOR SYKESVILLE, MD 21784 | AFLAC | $91 | — | $91 | 0.28% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND LLC | 22934 THREE NOTCH ROAD UNIT B CALIFORNIA, MD 20619 | AFLAC | $81 | — | $81 | 0.25% |
| KEVIN V THOMAS3 | 2801 SCENIC MEADOW STREET WALDORF, MD 20603 | AFLAC | $73 | — | $73 | 0.22% |
| MARK D STONER3 | 10170 CAPE ANN DRIVE COLUMBIA, MD 21048 | AFLAC | $49 | — | $49 | 0.15% |
| JENNIFER D EBAUGH3 Filed as: JENNIFER DANIELLE EBAUGH | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $32 | — | $32 | 0.10% |
| SHEM J BOSTICK3 | 1620 SOUTH DITMAR STREET OCEANSIDE, CA 92054 | AFLAC | $29 | — | $29 | 0.09% |
| CATHERINE A WHEATLEY3 | 21393 HAWKBIT COURT LEXINGTON PARK, MD 20653 | AFLAC | $27 | — | $27 | 0.08% |
| JOSEPH M BRZECZEK3 | 1012 COLLEGE ROAD SUITE 203 DOVER, DE 19904 | AFLAC | $25 | — | $25 | 0.08% |
| JEREMY A FELDMAN3 | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $21 | — | $21 | 0.06% |
| MATTHEW D DIPASQUALE3 | 603 WESTBURY ROAD FALLSTON, MD 21047 | AFLAC | $15 | — | $15 | 0.05% |
| KELLY BRZECZEK3 | 1012 COLLEGE ROAD SUITE 203 DOVER, DE 19904 | AFLAC | $12 | — | $12 | 0.04% |
| JASON D ELLIS3 Filed as: JASON ELLIS | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $11 | — | $11 | 0.03% |
| HILARY RADOLEC3 | 165 CROSSBOW LANE GAITHERSBURG, MD 20878 | AFLAC | $4 | — | $4 | 0.01% |
| JORDAN A PURCELL3 | 742 EAST ELLENDALE STREET BEL AIR, MD 21014 | AFLAC | $4 | — | $4 | 0.01% |
| DALE SHADDOCK3 | 8927 MAYFLOWER ROAD ROSEDALE, MD 21237 | AFLAC | $4 | — | $4 | 0.01% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFITS GROUP LL | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $3 | — | $3 | 0.01% |
| DAVID J MCCLELLAN3 Filed as: DAVID J WAGENHEIM | 582 WOODBINE AVENUE TOWSON, MD 21204 | AFLAC | $1 | — | $1 | 0.00% |
| KELLY LYNN FELDMAN3 | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $1 | — | $1 | 0.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INS GRP INC | 1 KELLY WAY SPARKS GLENCO, MD 21152 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 16.67% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC INS GRP INC | 1 KELLY WAY SPARKS GLENCO, MD 21152 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 5.59% |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 59 | $607K |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 74 | $94K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 102 | $78K |
| Short-term disability | AFLAC | 41 | $33K |
| Long-term disability | STANDARD INSURANCE COMPANY | 102 | $19K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 59 | $607K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 102 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.