| 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. | — | $35K | $35K | 5.79% |
| INSGROUP INC3 Filed as: KELLY & ASSOCIES INSURANCE GROUP IN | 1 KELLY WAY SPARKS, MD 21152 | CAREFIRST BLUECHOICE, INC. | — | $4K | $4K | 0.66% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS, INC | 6 NORTH PARK DRIVE S 310 HUNT VALLEY, MD 21030 | CAREFIRST BLUECHOICE, INC. | — | $4K | $4K | 0.62% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC INS GRP INC | 1 KELLY WAY SPARKS GLENCO, MD 21152 | STANDARD INSURANCE COMPANY | $10K | $1K | $11K | 15.91% |
| MELNICK INS LLC3 | 4 NORTH PARK DRIVE SUITE 400 HUNT VALLEY, MD 21030 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 4.33% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | UNITED CONCORDIA INSURANCE COMPANY | $2K | $2K | $4K | 6.70% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS INC | — | UNITED CONCORDIA INSURANCE COMPANY | $4K | $257 | $4K | 6.68% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INS GRP INC | 1 KELLY WAY SPARKS GLENCO, MD 21152 | STANDARD INSURANCE COMPANY | $4K | $466 | $5K | 15.61% |
| MELNICK INS LLC3 | 4 NORTH PARK DRIVE SUITE 400 HUNT VALLEY, MD 21030 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 4.48% |
| KAREN A DEVINE3 | 46965 CAMEO LANE APARTMENT 404 LEXINGTON PARK, MD 20653 | AFLAC | $876 | $15 | $891 | 4.41% |
| CEDAR POINT FINANCIAL SERVICE INC3 | 22745 MAPLE ROAD LEXINGTON PARK, MD 20653 | AFLAC | $425 | — | $425 | 2.10% |
| THOMAS ASSOCIATES LLC3 Filed as: B THOMAS EMPLOYEE BENEFITS LLC | 110 DUSTIN LANE NORTHWEST MADISON, AL 35757 | AFLAC | $368 | — | $368 | 1.82% |
| MICHAEL C WALKER3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $223 | $4 | $227 | 1.12% |
| MICHAEL C WALKER3 Filed as: MICHAEL RISKA | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $140 | $4 | $144 | 0.71% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $119 | — | $119 | 0.59% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DRIVE ELLICOTT CITY, MD 21042 | AFLAC | $71 | — | $71 | 0.35% |
| DAWN M WITTFELT3 | 810 RIVER ROAD SYKESVILLE, MD 21784 | AFLAC | $71 | — | $71 | 0.35% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND LLC | 22934 THREE NOTCH ROAD UNIT B CALIFORNIA, MD 20619 | AFLAC | $63 | — | $63 | 0.31% |
| KEVIN THOMAS3 | PO BOX 293 POMFRET, MD 20675 | AFLAC | $39 | — | $39 | 0.19% |
| MARK D STONER3 | 10170 CAPE ANN DRIVE COLUMBIA, MD 21048 | AFLAC | $38 | — | $38 | 0.19% |
| JENNIFER D EBAUGH3 Filed as: JENNIFER DANIELLE EBAUGH | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $22 | — | $22 | 0.11% |
| SHEM J BOSTICK3 Filed as: SHEM BOSTICK | 1620 SOUTH DITMAR STREET OCEANSIDE, CA 92054 | AFLAC | $22 | — | $22 | 0.11% |
| CATHERINE A WHEATLEY3 | 21393 HAWKBIT COURT LEXINGTON PARK, MD 20653 | AFLAC | $19 | — | $19 | 0.09% |
| JEREMY A FELDMAN3 | 12391 HIDDEN BAY DRIVE BERLIN, MD 21811 | AFLAC | $14 | — | $14 | 0.07% |
| JOSEPH M BRZECZEK3 | 1012 COLLEGE ROAD SUITE 203 DOVER, DE 19904 | AFLAC | $13 | — | $13 | 0.06% |
| MATTHEW D DIPASQUALE3 | 1610 SHIRLEY AVENUE JOPPA, MD 21085 | AFLAC | $10 | — | $10 | 0.05% |
| JASON D ELLIS3 Filed as: JASON ELLIS | 1 ELLIS COURT SUITE 210 PERRYVILLE, MD 21078 | AFLAC | $8 | — | $8 | 0.04% |
| HILARY RADOLEC3 | 165 CROSSBOW LANE GAITHERSBURG, MD 20878 | AFLAC | $3 | — | $3 | 0.01% |
| JORDAN A PURCELL3 | 72 EAST ELLENDALE STREET BEL AIR, MD 21014 | AFLAC | $3 | — | $3 | 0.01% |
| DALE SHADDOCK3 | 8927 MAYFLOWER ROAD ROSEDALE, MD 21237 | 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 | 12391 HIDDDEN BAY DRIVE BERLIN, MD 21811 | AFLAC | $1 | — | $1 | 0.00% |
| KELLY BRZECZEK3 | 1012 COLLEGE ROAD SUITE 203 DOVER, DE 19904 | AFLAC | $1 | — | $1 | 0.00% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 51 | $598K |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 84 | $82K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 121 | $87K |
| Short-term disability | AFLAC | 29 | $20K |
| Long-term disability | STANDARD INSURANCE COMPANY | 121 | $29K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 51 | $598K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 121 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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.