| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS ASSOCIATES LLC3 | 2801 SCENIC MEADOW ST. WALDORF, MD 20603 | AFLAC | $7K | $368 | $7K | 5.19% |
| MICHAEL C WALKER3 Filed as: MICHAEL C. WALKER | 203 MARKET ST. STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $6K | $128 | $6K | 4.17% |
| MICHAEL EDWARD RISKA3 | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $4K | $53 | $4K | 3.12% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID-ATLANTIC BENEFIT GROUP LLC | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $3K | — | $3K | 2.34% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC. | 80 S. 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | AFLAC | $3K | — | $3K | 1.85% |
| TAYLOR D. THOMAS3 | 2801 SCENIC MEADOW ST WALDORF, MD 20603 | AFLAC | $972 | $60 | $1K | 0.73% |
| LISA M GROOM3 | 4 REVELSTONE DR NEWARK, DE 19711 | AFLAC | $489 | — | $489 | 0.35% |
| SUSAN L MCCLANE3 Filed as: SUSAN L. MCCLANE | PO BOX 52 HAVRE DE GRACE, MD 21078 | AFLAC | $451 | — | $451 | 0.32% |
| MATTHEW D DIPASQUALE3 Filed as: MATTHEW D. DIPASQUALE | 403 S. EAST AVE BALTIMORE, MD 21224 | AFLAC | $349 | $1 | $350 | 0.25% |
| DAVID MORNINGSTAR3 Filed as: DAVID MORNININGSTAR | 11285 DOVERDALE CT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $276 | $6 | $282 | 0.20% |
| MAUREEN SIBOLD3 | 9017 RED BRANCH RD STE 201 COLUMBIA, MD 21045 | AFLAC | $186 | — | $186 | 0.13% |
| WESLEY K JOHNSON II3 Filed as: WESLEY K. JOHNSON II | 8 REED CIRCLE RISING SUN, MD 21911 | AFLAC | $146 | $14 | $160 | 0.11% |
| THOMAS B SCOTT3 Filed as: THOMAS B. SCOTT | 1295 MONROE STREET HERNDON, VA 20170 | AFLAC | $156 | — | $156 | 0.11% |
| JASON ALLAN BARE3 | 203 MARKET STREET STE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $143 | $10 | $153 | 0.11% |
| MICHAEL G CAMPBELL3 Filed as: MICHAEL G. CAMPBELL | 3007 OLD ANNAPOLIS TRL. FREDERICK, MD 21701 | AFLAC | $99 | — | $99 | 0.07% |
| BRIAN G JAEGGI3 Filed as: BRIAN G. JAEGGI | 5700 CHICOPEE AVE ENCINO, CA 91316 | AFLAC | $93 | — | $93 | 0.07% |
| JORDAN A PURCELL3 Filed as: JORDAN A. PURCELL | 301 VICTORY GALLOP CT HAVRE DE GRACE, MD 21078 | AFLAC | $86 | — | $86 | 0.06% |
| JENNIFER D EBAUGH3 Filed as: JENNIFER D. EBAUGH | 1670 MOHEGAN DRIVE UNIT D HAVRE DE GRACE, MD 21078 | AFLAC | $53 | $6 | $59 | 0.04% |
| SCOTT M GOLDEN3 | 8709 BURDETTE RD BETHESDA, MD 20817 | AFLAC | $50 | — | $50 | 0.04% |
| JEREMY A FELDMAN3 Filed as: JEREMY A. FELDMAN | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $49 | — | $49 | 0.03% |
| HILARY RADOLEC3 | 4801 FAIRMONT AVE APT 713 BETHESDA, MD 20814 | AFLAC | $48 | — | $48 | 0.03% |
| IRINA LESNYKH3 | 5112 TOPANGA CANYON BLVD. APT 427 WOODLAND HILLS, CA 91364 | AFLAC | $25 | — | $25 | 0.02% |
| SARAH A ROBERTSON3 Filed as: SARAH A LEWIS | 621 ADMIRAL DRIVE UNIT 308 ANNAPOLIS, MD 21401 | AFLAC | $23 | — | $23 | 0.02% |
| JEREMY T YOUNG3 Filed as: JEREMY T. YOUNG | 1511 RITCHIE HWY STE 104 PLAZA ONE ARONOLD, MD 21012 | AFLAC | $20 | — | $20 | 0.01% |
| MOIRA C WELLER3 Filed as: MOIRA C. WELLER | 7750 A KEMP LANE FREDERICK, MD 21702 | AFLAC | $11 | — | $11 | 0.01% |
| SABRINA BUSH3 | PO BOX 6053 COLUMBIA, MD 21045 | AFLAC | $10 | — | $10 | 0.01% |
| LAUREN RANDALL3 | 403 CLEARFIELD PL CAPITAL HEIGHTS, MD 20743 | AFLAC | $9 | — | $9 | 0.01% |
| LEROY L. ALEXANDER BENONS3 | 11106 SUPERIOR LANDING BOWIE, MD 20720 | AFLAC | $7 | — | $7 | 0.00% |
| EDWIN VEGA3 | 134 PINECONE AVE ODENTON, MD 21113 | AFLAC | $7 | — | $7 | 0.00% |
| MATTHEW W EVANS3 Filed as: MATTHEW W. EVANS | 1344 ASHTON RD STE 200 HANOVER, MD 21076 | AFLAC | $5 | — | $5 | 0.00% |
| GWEN MARIE A DAVIS3 Filed as: GWEN MARIE A. DAVIS | 7749 VALLEY OAK DRIVE ELKRIDGE, MD 21075 | AFLAC | $4 | — | $4 | 0.00% |
| WILLIAM R. HICKS3 | 7749 VALLEY OAK DRIVE ELKRIDGE, MD 21075 | AFLAC | $2 | — | $2 | 0.00% |
| KELLY LYNN FELDMAN3 | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $2 | — | $2 | 0.00% |
| DALE SHADDOCK3 | 19 CEDARVALE CT COCKEYSVILLE, MD 21030 | AFLAC | $2 | — | $2 | 0.00% |
| TMG INSURANCE SERVICES INC3 Filed as: TMG INSURANCE SERVICES INC. | 6500 ROCK SPRING DR. STE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | — | $11K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE STE 500 BETHESDA, MD 20817 | GHMSI | — | $123 | $123 | 0.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST ADMINISTRATORS EIN 52-1187907 NONE | Contract Administrator Service code 13 | — | $2.4M |
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 | 965 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 965 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,350 | $114K |
| Vision | GHMSI | 584 | $45K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 639 | $155K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 100 | $27K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 358 | $65K |
| Other(2 contracts, 2 carriers) | AFLAC | 375 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,350 | — |
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."
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.