| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHOENFELD INSURANCE ASSOCIATES INC3 | 6225 SMITH AVENUE SUITEB200 BALTIMORE, MD 21209 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | — | $29K | 15.04% |
| TAMMY E JONES3 | 722 CYPRIAN COURT GAMBRILLS, MD 21054 | AFLAC | $14K | $511 | $15K | 11.32% |
| MATTHEW W EVANS3 | 1344 ASHTON RD SUITE 200 HANOVER, MD 21076 | AFLAC | $4K | $102 | $4K | 3.36% |
| DREW SKIBITSKY3 | 1000 FELL ST APT 627 BALTIMORE, MD 21231 | AFLAC | $2K | $102 | $3K | 2.02% |
| VERONIKA BEAVER3 | 4200 JIM BOWERS RD SYKESVILLE, MD 21784 | AFLAC | $2K | — | $2K | 1.62% |
| CAROLINE D MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $1K | — | $1K | 1.14% |
| CONSTANTINE HADJIS3 | 8721 LACKAWANNA AVENUE PARKVILLE, MD 21234 | AFLAC | $571 | — | $571 | 0.45% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $556 | — | $556 | 0.43% |
| GEOFFREY CUNEO3 | 1804 ROBERT SMALL ROAD ANNAPOLIS, MD 21401 | AFLAC | $387 | — | $387 | 0.30% |
| CHRIS C COMPTON JR3 | 9447 BELLHALL DRIVE BALTIMORE, MD 21236 | AFLAC | $312 | — | $312 | 0.24% |
| BRYAN FISH3 | 4050 CANDLE LIGHT DRIVE DAYTON, MD 21036 | AFLAC | $278 | — | $278 | 0.22% |
| JEREMY A FELDMAN3 Filed as: JEREMY FELDMAN | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $124 | — | $124 | 0.10% |
| FRANCES SHAFFER3 | 14025 TOWER RD SMITHBURG, MD 21783 | AFLAC | $42 | — | $42 | 0.03% |
| JOHN A LECKLITER3 | 10 LINDA LN SEVERN PARK, MD 21146 | AFLAC | $33 | — | $33 | 0.03% |
| HILARY RADOLEC3 | 4801 FAIRMONT AVE APT 713 BETHESDA, MD 20814 | AFLAC | $33 | — | $33 | 0.03% |
| CARLOS A ALMEIDA3 | 419 HARRINGTON ROAD BEL AIR, MD 21015 | AFLAC | $28 | — | $28 | 0.02% |
| KELLY LYNN FELDMAN3 Filed as: KELLY FELDMAN | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $28 | — | $28 | 0.02% |
| DAVID WAGENHEIM3 | 582 WOODBINE AVE TOWSON, MD 21204 | AFLAC | $17 | — | $17 | 0.01% |
| WENDY JOY ASTON3 | 1057 LEJACK CIR FOREST, VA 24551 | AFLAC | $16 | — | $16 | 0.01% |
| MELISSA S LYNCH3 | 507 AUGUSTA DR ARNOLD, MD 21012 | AFLAC | $16 | — | $16 | 0.01% |
| EDWIN VEGA3 | 134 PINECOVE AVE ODENTON, MD 21113 | AFLAC | $11 | — | $11 | 0.01% |
| GREGORY D HILL3 Filed as: GREGORY HILL | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $10 | — | $10 | 0.01% |
| TAMMY E JONES3 | 722 CYPRIAN COURT GAMBRILLS, MD 21054 | AFLAC | $4K | — | $4K | 15.09% |
| MATTHEW W EVANS3 | 1344 ASHTON RD SUITE 200 HANOVER, MD 21076 | AFLAC | $918 | — | $918 | 3.88% |
| DREW SKIBITSKY3 | 1000 FELL ST APT 627 BALTIMORE, MD 21231 | AFLAC | $691 | — | $691 | 2.92% |
| CAROLINE D MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $226 | — | $226 | 0.96% |
| CONSTANTINE HADJIS3 | 8721 LACKAWANNA AVE PARKVILLE, MD 21234 | AFLAC | $69 | — | $69 | 0.29% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $58 | — | $58 | 0.25% |
| JEREMY A FELDMAN3 Filed as: JEREMY FELDMAN | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $27 | — | $27 | 0.11% |
| CHRIS C COMPTON JR3 | 9447 BELLHALL DR BALTIMORE, MD 21236 | AFLAC | $24 | — | $24 | 0.10% |
| WENDY JOY ASTON3 | 1057 LEJACK CIR FOREST, VA 24551 | AFLAC | $19 | — | $19 | 0.08% |
| HILARY RADOLEC3 | 4801 FAIRMONT AVE APT 713 BETHESDA, MD 20814 | AFLAC | $8 | — | $8 | 0.03% |
| KELLY LYNN FELDMAN3 Filed as: KELLY FELDMAN | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $6 | — | $6 | 0.03% |
| JOHN A LECKLITER3 | 1915 TOWNE CENTRE BLVD UNIT 314 ANNAPOLIS, MD 21401 | AFLAC | $4 | — | $4 | 0.02% |
| EDWIN VEGA3 | 134 PINECOVE ODENTON, MD 21113 | AFLAC | $4 | — | $4 | 0.02% |
| DAVID WAGENHEIM3 | 582 WOODBINE AVE TOWSON, MD 21204 | AFLAC | $2 | — | $2 | 0.01% |
| JOHN A LECKLITER3 Filed as: JOHN LECKLITER | 1915 TOWNE CENTRE BLVD UNIT 314 ANNAPOLIS, MD 21401 | AFLAC | $1 | — | $1 | 0.00% |
| TAMMY E JONES3 | 722 CYPRIAN COURT GAMBRILLS, MD 21054 | AFLAC | $141 | — | $141 | 5.13% |
| MATTHEW W EVANS3 | 1344 ASHTON RD SUITE 200 HANOVER, MD 21076 | AFLAC | $98 | — | $98 | 3.56% |
| CAROLINE D MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $49 | — | $49 | 1.78% |
| CONSTANTINE HADJIS3 | 8721 LACKAWANNA AVENUE PARKVILLE, MD 21234 | AFLAC | $26 | — | $26 | 0.95% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $17 | — | $17 | 0.62% |
| JEREMY A FELDMAN3 Filed as: JEREMY FELDMAN | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $5 | — | $5 | 0.18% |
| DAVID WAGENHEIM3 | 582 WOODBINE AVE TOWSON, MD 21204 | AFLAC | $1 | — | $1 | 0.04% |
| KELLY LYNN FELDMAN3 Filed as: KELLY FELDMAN | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $1 | — | $1 | 0.04% |
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 | 575 | 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) | 577 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | AFLAC | 141 | $154K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 575 | $196K |
| Short-term disability(3 contracts) | AFLAC | 141 | $154K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 575 | $196K |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 575 | $350K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 575 | — |
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.