| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHOENFELD INSURANCE ASSOCIATES INC3 | 6225 SMITH AVENUE SUITEB200 BALTIMORE, MD 21209 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | — | $22K | 13.75% |
| TAMMY E JONES3 | 722 CYPRIAN COURT GAMBRILLS, MD 21054 | AFLAC | $11K | $201 | $11K | 14.15% |
| DREW SKIBITSKY3 | 1344 ASHTON RD STE 200 HANOVER, MD 21076 | AFLAC | $3K | $40 | $3K | 3.91% |
| MATTHEW W EVANS3 | 1344 ASHTON RD SUITE 200 HANOVER, MD 21076 | AFLAC | $2K | $40 | $3K | 3.30% |
| CAROLINE D MORNINGSTAR3 | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $415 | — | $415 | 0.54% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $101 | — | $101 | 0.13% |
| CONSTANTINE HADJIS3 | 1311 MOONSHADOW RD BEL AIR, MD 21015 | AFLAC | $94 | — | $94 | 0.12% |
| SHANNON PITTS3 | 4115 COLUMBIA RD STE 5PMB198 MARTINEZ, GA 30907 | AFLAC | $87 | — | $87 | 0.11% |
| CHRIS C COMPTON JR3 | 5208 CASTLESTONE DR BALTIMORE, MD 21237 | AFLAC | $47 | — | $47 | 0.06% |
| JEREMY A FELDMAN3 Filed as: JEREMY FELDMAN | 12391 HIDDEN BAY DR BERLIN, MD 21811 | AFLAC | $28 | — | $28 | 0.04% |
| VICTOR EGONU3 | 8839 KELSO DR ESSEX, MD 21221 | AFLAC | $25 | — | $25 | 0.03% |
| JOHN A LECKLITER3 | 10 LINDA LN SEVERN PARK, MD 21146 | AFLAC | $23 | — | $23 | 0.03% |
| HILARY RADOLEC3 | 165 CROSSBOW LN GAITHERSBURG, MD 20878 | AFLAC | $16 | — | $16 | 0.02% |
| WENDY JOY ASTON3 | 3328 DODD DR CHESAPEAKE, VA 23323 | AFLAC | $14 | — | $14 | 0.02% |
| MELISSA S LYNCH3 | 507 AUGUSTA DR ARNOLD, MD 21012 | AFLAC | $13 | — | $13 | 0.02% |
| FRANCES SHAFFER3 | 14025 TOWER RD SMITHBURG, MD 21783 | AFLAC | $10 | — | $10 | 0.01% |
| KELLY LYNN FELDMAN3 Filed as: KELLY FELDMAN | 12391 HIDDEN BAY DR BERLIN, MD 21811 | AFLAC | $10 | — | $10 | 0.01% |
| PETER CHRISTIANSON3 | 1204 LONDON CT WARRINGTON, PA 18976 | AFLAC | $7 | — | $7 | 0.01% |
| EDWIN VEGA3 | 134 PINECOVE AVE ODENTON, MD 21113 | AFLAC | $5 | — | $5 | 0.01% |
| DAVID WAGENHEIM3 | 582 WOODBINE AVE TOWSON, MD 21204 | AFLAC | $5 | — | $5 | 0.01% |
| DALE ARTHUR LOVELLE3 Filed as: DALE LOVELLE | 1427 RISING SUN AVE LANGHORNE, PA 19047 | AFLAC | $4 | — | $4 | 0.01% |
| DALE SHADDOCK3 | 8927 MAYFLOWER RD ROSEDALE, MD 21237 | AFLAC | $3 | — | $3 | 0.00% |
| GREGORY D HILL3 Filed as: GREGORY HILL | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $2 | — | $2 | 0.00% |
| ERIC R MACDOUGALL3 Filed as: ERIC MACDOUGALL | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $2 | — | $2 | 0.00% |
| TAMMY E JONES3 Filed as: TAMMY JONES | 722 CYPRIAN CT GAMBRILLS, MD 21054 | AFLAC | $3K | $206 | $4K | 9.35% |
| MATTHEW W EVANS3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $1K | $41 | $1K | 3.24% |
| DREW SKIBITSKY3 | 1344 ASHTON RD STE 200 HANOVER, MD 21076 | AFLAC | $832 | $41 | $873 | 2.27% |
| CAROLINE D MORNINGSTAR3 | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $391 | — | $391 | 1.02% |
| CONSTANTINE HADJIS3 | 1311 MOONSHADOW RD BEL AIR, MD 21015 | AFLAC | $259 | — | $259 | 0.67% |
| DAVID MORNINGSTAR3 Filed as: DAVID MORINGSTAR | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $183 | — | $183 | 0.48% |
| SHARON PITTS3 | 4115 COLUMBIA RD SUITE 5PMB198 MARTINEZ, GA 30907 | AFLAC | $87 | — | $87 | 0.23% |
| CHRIS C COMPTON JR3 | 5208 CASTLESTONE DR BALTIMORE, MD 21237 | AFLAC | $72 | — | $72 | 0.19% |
| JEREMY A FELDMAN3 | 12391 HIDDEN BAY DR BERLIN, MD 21811 | AFLAC | $37 | — | $37 | 0.10% |
| FRANCES SHAFFER3 | 14025 TOWER RD SMITHBURG, MD 21783 | AFLAC | $9 | — | $9 | 0.02% |
| HILARY RADOLEC3 | 165 CROSSBOW LN GAITHERSBURG, MD 20878 | AFLAC | $5 | — | $5 | 0.01% |
| CARLOS A ALMEIDA3 | 419 HARRINGTON RD BEL AIR, MD 21015 | AFLAC | $4 | — | $4 | 0.01% |
| EDWIN VEGA3 | 134 PINECOVE AVE ODENTON, MD 21113 | AFLAC | $3 | — | $3 | 0.01% |
| KELLY LYNN FELDMAN3 | 12391 HIDDEN BAY DR BERLIN, MD 21811 | AFLAC | $3 | — | $3 | 0.01% |
| GREGORY D HILL3 Filed as: GREGORY HILL | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $2 | — | $2 | 0.01% |
| TAMMY E JONES3 | 722 CYPRIAN COURT GAMBRILLS, MD 21054 | AFLAC | $5K | $368 | $5K | 14.01% |
| DREW SKIBITSKY3 | 1344 ASHTON RD STE 200 HANOVER, MD 21076 | AFLAC | $1K | $73 | $1K | 3.90% |
| MATTHEW W EVANS3 | 1344 ASHTON RD SUITE 200 HANOVER, MD 21076 | AFLAC | $1K | $73 | $1K | 3.20% |
| CAROLINE D MORNINGSTAR3 | 4281 BUCKSKIN WOOD DR ELICOTT CITY, MD 21042 | AFLAC | $148 | — | $148 | 0.39% |
| SHANNON PITTS3 | 4115 COLUMBIA RD STE 5 PMB198 MARTINEZ, GA 30907 | AFLAC | $64 | — | $64 | 0.17% |
| CONSTANTINE HADJIS3 | 1311 MOONSHADOW RD BEL AIR, MD 21015 | AFLAC | $50 | — | $50 | 0.13% |
| JOHN A LECKLITER3 | 10 LINDA LN SEVERNA PARK, MD 21146 | AFLAC | $49 | — | $49 | 0.13% |
| MICHELLE LECKLITER3 | 10 LINDA LN SEVERNA PARK, MD 21146 | AFLAC | $47 | — | $47 | 0.12% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $45 | — | $45 | 0.12% |
| CHRIS C COMPTON JR3 | 5208 CASTLESTONE DR BALTIMORE, MD 21237 | AFLAC | $18 | — | $18 | 0.05% |
| WENDY JOY ASTON3 | 3328 DODD DR CHESAPEAKE, VA 23323 | AFLAC | $18 | — | $18 | 0.05% |
| JEREMY A FELDMAN3 Filed as: JEREMY FELDMAN | 12391 HIDDEN BAY DR BERLIN, MD 21811 | AFLAC | $18 | — | $18 | 0.05% |
| KELLY LYNN FELDMAN3 Filed as: KELLY FELDMAN | 12391 HIDDEN BAY DR BERLIN, MD 21811 | AFLAC | $5 | — | $5 | 0.01% |
| EDWIN VEGA3 | 134 PINECOVE ODENTON, MD 21113 | AFLAC | $3 | — | $3 | 0.01% |
| SCOTT NATHAN3 | 1344 ASHTON RD STE 200 HANOVER, MD 21076 | AFLAC | $3 | — | $3 | 0.01% |
| HILARY RADOLEC3 | 165 CROSSBOW LN GAITHERSBURG, MD 20878 | AFLAC | $3 | — | $3 | 0.01% |
| JOSHUA M PINCUS SOKOLOFF3 Filed as: JOSHUA PINCUS SOKOLOFF | 6100 CHEVY CHASE DR STE 105 LAUREL, MD 20707 | AFLAC | $2 | — | $2 | 0.01% |
| DAVID WAGENHEIM3 | 582 WOODBINE AVE TOWSON, MD 21204 | AFLAC | $1 | — | $1 | 0.00% |
| TAMMY E JONES3 | 722 CYPRIAN COURT GAMBRILLS, MD 21054 | AFLAC | $174 | — | $174 | 6.77% |
| DREW SKIBITSKY3 | 1344 ASHTON RD STE 200 HANOVER, MD 21076 | AFLAC | $92 | — | $92 | 3.58% |
| MATTHEW W EVANS3 | 1344 ASHTON RD SUITE 200 HANOVER, MD 21076 | AFLAC | $47 | — | $47 | 1.83% |
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 | 547 | 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) | 549 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | AFLAC | 62 | $117K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 547 | $158K |
| Short-term disability(3 contracts) | AFLAC | 62 | $117K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 547 | $158K |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 547 | $314K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 547 | — |
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.