| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHOENFELD INSURANCE ASSOCIATES INC3 | 6225 SMITH AVENUE SUITEB200 BALTIMORE, MD 21209 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | — | $20K | 11.04% |
| TAMMY E JONES3 | 722 CYPRIAN COURT GAMBRILLS, MD 21054 | AFLAC | $11K | $211 | $11K | 11.18% |
| MATTHEW W EVANS3 | 817 MAIDEN CHOICE LANE SUITE 340 CATONSVILLE, MD 21228 | AFLAC | $4K | $42 | $4K | 4.09% |
| CAROLINE D MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $2K | $42 | $3K | 2.61% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $754 | $42 | $796 | 0.82% |
| CONSTANTINE HADJIS3 | 8721 LACKAWANNA AVENUE PARKVILLE, MD 21234 | AFLAC | $629 | — | $629 | 0.65% |
| CHRIS C COMPTON JR3 | 9447 BELLHALL DRIVE BALTIMORE, MD 21236 | AFLAC | $290 | — | $290 | 0.30% |
| KENNETH B COFER3 | 5950 SYMPHONY WOODS ROAD SUITE 214 COLUMBIA, MD 21044 | AFLAC | $68 | — | $68 | 0.07% |
| DREW SKIBITSKY3 | 1000 FELL STREET APT 627 BALTIMORE, MD 21231 | AFLAC | $50 | — | $50 | 0.05% |
| CARLOS A ALMEIDA3 | 419 HARRINGTON ROAD BEL AIR, MD 21015 | AFLAC | $39 | — | $39 | 0.04% |
| SUZANNE HERRMANN3 Filed as: SUZANNE HERRMAN | 618 ELLSWORTH DRIVE SILVER SPRING, MD 20910 | AFLAC | $36 | — | $36 | 0.04% |
| BRYAN FISH3 | 4050 CANDLE LIGHT DRIVE DAYTON, MD 21036 | AFLAC | $32 | — | $32 | 0.03% |
| JOHN A LECKLITER3 | 1915 TOWNE CENTRE BLVD UNITE 314 ANNAPOLIS, MD 21401 | AFLAC | $32 | — | $32 | 0.03% |
| JOHN A LECKLITER3 | 1915 TOWNE CENTRE BLVD UNIT 302 ANNAPOLIS, MD 21401 | AFLAC | $31 | — | $31 | 0.03% |
| WENDY JOY ASTON3 | 201 ZACHARY DRIVE WESTMINSTER, MD 21157 | AFLAC | $19 | — | $19 | 0.02% |
| MELISSA S LYNCH3 | 507 AUGUSTA DR ARNOLD, MD 21012 | AFLAC | $14 | — | $14 | 0.01% |
| JOSHUA M PINCUS SOKOLOFF3 | 817 MAIDEN CHOICE LANE SUITE 340 BALTIMORE, MD 21228 | AFLAC | $9 | — | $9 | 0.01% |
| KATHLEEN J PINCUS3 | 817 MAIDEN CHOICE LANE SUITE 340 BALTIMORE, MD 21228 | AFLAC | $8 | — | $8 | 0.01% |
| DANIEL E ALTMIRE3 | 12800 MIDDLEBROOK ROAD SUITE 490 GERMANTOWN, MD 20874 | AFLAC | $7 | — | $7 | 0.01% |
| TAMMY E JONES3 | 722 CYPRIAN COURT GAMBRILLS, MD 21054 | AFLAC | $3K | $196 | $3K | 16.06% |
| MATTHEW W EVANS3 | 817 MAIDEN CHOICE LANE SUITE 340 CATONSVILLE, MD 21228 | AFLAC | $970 | $39 | $1K | 5.00% |
| CAROLINE D MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $570 | $39 | $609 | 3.02% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $209 | $39 | $248 | 1.23% |
| CONSTANTINE HADJIS3 | 8721 LACKAWANNA AVE PARKVILLE, MD 21234 | AFLAC | $101 | — | $101 | 0.50% |
| CHRIS C COMPTON JR3 | 9447 BELLHALL DR BALTIMORE, MD 21236 | AFLAC | $50 | — | $50 | 0.25% |
| WENDY JOY ASTON3 | 201 ZACHARY DR WESTMINSTER, MD 21157 | AFLAC | $27 | — | $27 | 0.13% |
| JOHN A LECKLITER3 | 1915 TOWNE CENTRE BLVD UNIT 314 ANNAPOLIS, MD 21401 | AFLAC | $4 | — | $4 | 0.02% |
| JOHN A LECKLITER3 | 1915 TOWNE CENTRE BLVD UNIT 302 ANNAPOLIS, MD 21401 | AFLAC | $2 | — | $2 | 0.01% |
| TAMMY E JONES3 | 722 CYPRIAN COURT GAMBRILLS, MD 21054 | AFLAC | $129 | — | $129 | 5.05% |
| MATTHEW W EVANS3 | 817 MAIDEN CHOICE LANE SUITE 340 CATONSVILLE, MD 21228 | AFLAC | $91 | — | $91 | 3.56% |
| CAROLINE D MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $45 | — | $45 | 1.76% |
| CONSTANTINE HADJIS3 | 8721 LACKAWANNA AVENUE PARKVILLE, MD 21234 | AFLAC | $26 | — | $26 | 1.02% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $17 | — | $17 | 0.67% |
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 | 497 | 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) | 497 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | AFLAC | 111 | $120K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 497 | $178K |
| Short-term disability(3 contracts) | AFLAC | 111 | $120K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 497 | $178K |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 497 | $298K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 497 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.