| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHOENFELD INSURANCE ASSOCIATES INC3 | 6225 SMITH AVENUE SUITE B200 BALTIMORE, MD 21209 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | — | $23K | 12.00% |
| MELISSA ARMATIS3 Filed as: MELISSA RHODES | 1315 S GLENBURNIE ROAD SUITE D17 NEW BERN, NC 28562 | AFLAC | $2K | $111 | $2K | 7.82% |
| TAMMY E JONES3 | 722 CYPRIAN COURT GAMBRILLS, MD 21054 | AFLAC | $1K | $39 | $1K | 5.81% |
| VIDA K ROLLINS3 | 3701 EXCALIBUR WAY APT 105 WILMINGTON, NC 28403 | AFLAC | $666 | — | $666 | 2.96% |
| MATTHEW W EVANS3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $462 | $7 | $469 | 2.08% |
| CATHERINE L LEE3 | 1444 SOUTH 17TH STREET WILMINGTON, NC 28401 | AFLAC | $291 | $18 | $309 | 1.37% |
| JENNIFER V QUINTERO3 | 12 CASTLEWOOD DRIVE CLAYTON, NC 27520 | AFLAC | $287 | — | $287 | 1.27% |
| CAROLINE D MORNINGSTAR3 Filed as: CAROLINE MORNINGSTAR | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $256 | $7 | $263 | 1.17% |
| TINA DAVIDSON3 | 803 TOMAHAWK DRIVE CLAYTON, NC 27520 | AFLAC | $155 | — | $155 | 0.69% |
| KRISTIN ISAACS3 | 3821 KNICKERBOCKER PKWY APT H RALEIGH, NC 27612 | AFLAC | $151 | — | $151 | 0.67% |
| LARRY A WESTON JR3 | 321 WINDSOR ROAD GREENVILLE, NC 27858 | AFLAC | $89 | $18 | $107 | 0.47% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $75 | $8 | $83 | 0.37% |
| WILLIAM L BAKER IV3 | 2310 S MIAMI BLVD SUITE 239 DURHAM, NC 27703 | AFLAC | $69 | — | $69 | 0.31% |
| CARLOS A ALMEIDA3 | 419 HARRINGTON ROAD BEL AIR, MD 21015 | AFLAC | $34 | — | $34 | 0.15% |
| TAMMY E JONES3 | 722 CYPRIAN COURT GAMBRILLS, MD 21054 | AFLAC | $3K | $176 | $3K | 12.94% |
| MATTHEW W EVANS3 | 817 MAIDEN CHOICE LANE SUITE 340 CATONSVILLE, MD 21228 | AFLAC | $989 | $35 | $1K | 4.73% |
| CAROLINE D MORNINGSTAR3 Filed as: CAROLINE D MORINGSTAR | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $549 | $35 | $584 | 2.70% |
| DAVID MORNINGSTAR3 Filed as: DAVID MORINGSTAR | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $257 | $35 | $292 | 1.35% |
| CARLOS A ALMEIDA3 | 419 HARRINGTON ROAD BEL AIR, MD 21015 | AFLAC | $43 | — | $43 | 0.20% |
| DAVID RUBENSTEIN3 | 10 DOWING CIRCLE DOWNINGTOWN, PA 19335 | AFLAC | $7 | — | $7 | 0.03% |
| MICHAEL P NORRIS3 | 200 DALLAM ROAD NEWARK, DE 19711 | AFLAC | $4 | — | $4 | 0.02% |
| SMC LLC3 | 829 E BATLIMORE STREET BALTIMORE, MD 21202 | AFLAC | $2 | — | $2 | 0.01% |
| HOOK ENTERPRISES LLC3 | 5 GREAT VALLEY PARKWAY SUITE 100 MALVERN, PA 19355 | AFLAC | $2 | — | $2 | 0.01% |
| TOMMY L JOHNSON JR3 | 9504 ALLENSWOOD ROAD RANDALLSTOWN, MD 21133 | AFLAC | $1 | — | $1 | 0.00% |
| ERIC R MACDOUGALL3 Filed as: ERIC MACDOUGALL & ASSOC INC | ONE NESHAMINY INTERPLEX SUITE 201 TREVOSE, PA 19053 | AFLAC | $1 | — | $1 | 0.00% |
| KENNETH B COFER3 | 5950 SYMPHONY WOODS ROAD SUITE 214 COLUMBIA, MD 21044 | AFLAC | $1 | — | $1 | 0.00% |
| CAROLINE D MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTSVILLE, MD 21104 | AFLAC | $68 | $2K | $2K | 10.20% |
| EDWARD MCCABE3 Filed as: EDWARD O MCCABE | 70 COVE ROAD STONINGTON, CT 06378 | AFLAC | $738 | $42 | $780 | 4.11% |
| TAMMY E JONES3 | 722 CYPRIAN COURT GAMBRILLS, MD 21054 | AFLAC | $710 | $31 | $741 | 3.90% |
| MICHAEL HOWARD3 | PO BOX 1728 GROTON, CT 06340 | AFLAC | $149 | $31 | $180 | 0.95% |
| KEVIN J RYAN3 | PO BOX 164 HOPKINTON, RI 02833 | AFLAC | $177 | — | $177 | 0.93% |
| GINA E VATELL3 | 551 HINSON DR APT 424 MYRTLE BEACH, SC 29579 | AFLAC | $168 | — | $168 | 0.89% |
| ROBERT A FELICIANO3 | 3 ARBOR COURT PAWCATUCK, CT 06379 | AFLAC | $145 | $14 | $159 | 0.84% |
| PAUL M WALSH3 | 44 HUNTERS RIDGE ROAD SHELTON, CT 06484 | AFLAC | $133 | — | $133 | 0.70% |
| MICHAEL USIAK3 | 250 E MAIN STREET FLOOR 2 CLINTON, CT 06413 | AFLAC | $111 | $14 | $125 | 0.66% |
| MATTHEW W EVANS3 | 817 MAIDEN CHOICE LANE SUITE 340 CATONSVILLE, MD 21228 | AFLAC | $117 | $6 | $123 | 0.65% |
| ELIZABETH MCGOVERN3 Filed as: ELIZABETH A MCGOVERN | 900 LAKESIDE DRIVE BRIDGEPORT, CT 06606 | AFLAC | $100 | — | $100 | 0.53% |
| NATALIE D RYAN3 | 3513 SHADOWWOOD COURT MOBILE, AL 36693 | AFLAC | $78 | — | $78 | 0.41% |
| BRIAN FAIN3 | 54 THIMBLE FARM ROAD BRANFORD, CT 06405 | AFLAC | $74 | — | $74 | 0.39% |
| MICHAEL T REYES3 | 185 PLAINS ROAD SUITE 200E MILFORD, CT 06461 | AFLAC | $39 | $14 | $53 | 0.28% |
| JOHN M MAURO3 | 23 GLEN SPRING DRIVE TRUMBULL, CT 06611 | AFLAC | $52 | — | $52 | 0.27% |
| DAVID MORNINGSTAR3 Filed as: DAVID MORINGSTAR | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $30 | $6 | $36 | 0.19% |
| WILLIAM H KIRK3 | 100 JEFFERSON BLVD WARWICK, RI 02888 | AFLAC | $29 | — | $29 | 0.15% |
| MARIA USIAK3 Filed as: MARIA L USIAK | 250 E MAIN STREET FLOOR 2 CLINTON, CT 06413 | AFLAC | $21 | — | $21 | 0.11% |
| JOSE A SCHIENEMAN3 | 1020 N DELAWARE AVENUE 4TH FLOOR PHILADELPHIA, PA 19125 | AFLAC | $21 | — | $21 | 0.11% |
| MG BERGER INC3 | 1020 N DELAWARE AVENUE 4TH FLOOR PHILADELPHIA, PA 19125 | AFLAC | $18 | — | $18 | 0.09% |
| TRECIA J BRADY3 | 71 NUTMEG COURT MIDDLETOWN, CT 06457 | AFLAC | $17 | — | $17 | 0.09% |
| JOSEPH SINAPI3 | 16 SWAN COURT CRANSTON, RI 02921 | AFLAC | $4 | — | $4 | 0.02% |
| MICHAEL T REYES3 | 185 PLAINS ROAD SUITE 200E MILFORD, CT 06461 | AFLAC | $1 | — | $1 | 0.01% |
| TAMMY E JONES3 Filed as: TAMMY JONES | 722 CYPRIAN COURT GAMBRILLS, MD 21054 | AFLAC | $1K | $38 | $1K | 13.42% |
| MATTHEW W EVANS3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $432 | $7 | $439 | 4.50% |
| CAROLINE D MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $230 | $7 | $237 | 2.43% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $60 | $7 | $67 | 0.69% |
| DREW SKIBITSKY3 | 1000 FELL STREET APT 627 BALTIMORE, MD 21231 | AFLAC | $21 | — | $21 | 0.22% |
| CONSTANTINE HADJIS3 | 8721 LACKAWANNA AVENUE PARKVILLE, MD 21234 | AFLAC | $14 | — | $14 | 0.14% |
| KEVIN J RYAN3 | 3813 SHADOWWOOD COURT MOBILE, AL 36693 | AFLAC | $12 | — | $12 | 0.12% |
| NATALIE D RYAN3 | 5 MASON PRATT DRIVE UNIT 303 CONCORD, MA 01742 | AFLAC | $3 | — | $3 | 0.03% |
| WILLIAM H KIRK3 | 110 JEFFERSON BLVD WARWICK, RI 02888 | AFLAC | $2 | — | $2 | 0.02% |
| MICHAEL USIAK3 | 250 MAIN STREET FLOOR 2 CLINTON, CT 06413 | AFLAC | $1 | — | $1 | 0.01% |
| TRECIA BRADY3 | 71 NUTMEG COURT MIDDLETOWN, CT 06457 | AFLAC | $1 | — | $1 | 0.01% |
| MICHAEL T REYES3 | 185 PLAINS ROAD SUITE 200E MILFORD, CT 06461 | AFLAC | $1 | — | $1 | 0.01% |
| JOSEPH SINAPI3 | 16 SWAN CT CRANSTON, RI 02921 | AFLAC | $1 | — | $1 | 0.01% |
| CARLOS A ALMEIDA3 | 419 HARRINGTON ROAD BEL AIR, MD 21015 | AFLAC | $1 | — | $1 | 0.01% |
| TAMMY E JONES3 Filed as: TAMMY JONES | 722 CYPRIAN COURT GAMBRILLS, MD 21054 | AFLAC | $133 | — | $133 | 4.89% |
| MATTHEW W EVANS3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $85 | — | $85 | 3.13% |
| CAROLINE D MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $42 | — | $42 | 1.54% |
| CARLOS A ALMEIDA3 | 419 HARRINGTON ROAD BEL AIR, MD 21015 | AFLAC | $17 | — | $17 | 0.63% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $15 | — | $15 | 0.55% |
| MICHAEL P NORRIS3 | 200 DALLAM ROAD NEWARD, DE 19711 | AFLAC | $11 | — | $11 | 0.40% |
| DAVID RUBENSTEIN3 | 10 DOWNING CIRCLE DOWNINGTON, PA 19335 | AFLAC | $10 | — | $10 | 0.37% |
| HOOK ENTERPRISES LLC3 | 5 GREAT VALLEY PARKWAY SUITE 100 MALVERN, PA 19355 | AFLAC | $5 | — | $5 | 0.18% |
| ERIC R MACDOUGALL3 Filed as: ERIC MACDOUGALL & ASSOC INC. | ONE NESHAMINY INTERPLEX SUITE 201 TREVOSE, PA 19053 | AFLAC | $1 | — | $1 | 0.04% |
| GLORIA M TORTORELLO3 | 49 GARDEN STREET NEWARK, NJ 07105 | AFLAC | $148 | $21 | $169 | 9.56% |
| TAMMY E JONES3 | 722 CYPRIAN COURT GAMBRILLS, MD 21054 | AFLAC | $75 | $9 | $84 | 4.75% |
| CHRISTOPHER J BURRIS3 | 26 MAIN STREET SUITE 100 TOMS RIVER, NJ 08753 | AFLAC | $29 | $4 | $33 | 1.87% |
| MATTHEW W EVANS3 | 817 MAIDEN CHOICE LANE SUITE 340 CATONSVILLE, MD 21228 | AFLAC | $29 | $1 | $30 | 1.70% |
| MICHAEL BUTTERFIELD3 | 34 MAIN STREET SUITE 1B TOMS RIVER, NJ 08753 | AFLAC | $19 | $4 | $23 | 1.30% |
| ALBERT SHUST3 | 200 CENTENNIAL AVENUE SUITE 105 PISCATAWAY, NJ 08854 | AFLAC | $17 | $4 | $21 | 1.19% |
| CAROLINE D MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $16 | $1 | $17 | 0.96% |
| RUSSELL E BURT3 | 51 HILLTOP AVENUE BLACKWOOD, NJ 08012 | AFLAC | $11 | — | $11 | 0.62% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $8 | $1 | $9 | 0.51% |
| CARLOS A ALMEIDA3 | 419 HARRINGTON ROAD BEL AIR, MD 21015 | AFLAC | $6 | — | $6 | 0.34% |
| KEVIN R MCINERNEY3 | 580 WHITE PLAINS ROAD SUITE 600 TARRYTOWN, NY 10591 | AFLAC | $5 | — | $5 | 0.28% |
| CONSTANTINE HADJIS3 | 8721 LACKAWANNA AVENUE PARKVILLE, MD 21234 | AFLAC | $4 | — | $4 | 0.23% |
| ZORN BENEFITS GROUP LLC3 | 60 US HIGHWAY 46 AFLAC OFFICE FAIRFIELD, NJ 07004 | AFLAC | $3 | — | $3 | 0.17% |
| MICHAEL A FORNARO3 | 271 US HIGHWAY 46 SUITE H119 FAIRFIELD, NJ 07004 | AFLAC | $1 | — | $1 | 0.06% |
| KIMBERLY FERGUSON3 Filed as: KIMBERLY SANKA | 861 VOORHEES AVENUE MIDDLESEX, NJ 08846 | AFLAC | $1 | — | $1 | 0.06% |
| TAMMY E JONES3 Filed as: TAMMY JONES | 722 CYPRIAN COURT GAMBRILLS, MD 21054 | AFLAC | $98 | — | $98 | 9.81% |
| SUZANNE HERRMANN3 | 618 ELLSWORTH DRIVE SILVER SPRING, MD 20910 | AFLAC | $55 | — | $55 | 5.51% |
| MATTHEW W EVANS3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $22 | — | $22 | 2.20% |
| CAROLINE D MORNINGSTAR3 Filed as: CAROLINE MORNINGSTAR | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $14 | — | $14 | 1.40% |
| DANIEL E ALTMIRE3 Filed as: DANIEL E ALTIMIRE | 12800 MIDDLEBROOK ROAD SUITE 490 GERMANTOWN, MD 20874 | AFLAC | $11 | — | $11 | 1.10% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $1 | — | $1 | 0.10% |
| EDWARD MCCABE3 Filed as: EDWARD Q MCCABE | 70 COVE ROAD STONINGTON, CT 06378 | AFLAC | $77 | $9 | $86 | 11.54% |
| MICHAEL HOWARD3 | PO BOX 1728 GROTON, CT 06340 | AFLAC | $68 | $8 | $76 | 10.20% |
| TAMMY E JONES3 | 722 CYPRIAN COURT GAMBRILLS, MD 21054 | AFLAC | $59 | $7 | $66 | 8.86% |
| ROBERT A FELICIANO3 | 3 ARBOR COURT PAWCATUCK, CT 06379 | AFLAC | $20 | $3 | $23 | 3.09% |
| MICHAEL USIAK3 | 250 E MAIN STREET FLOOR 2 CLINTON, CT 06413 | AFLAC | $17 | $3 | $20 | 2.68% |
| MICHAEL T REYES3 | 185 PLAINS ROAD SUITE 200E MILFORD, CT 06461 | AFLAC | $15 | $3 | $18 | 2.42% |
| MATTHEW W EVANS3 | 817 MAIDEN CHOICE LANE SUITE 340 CATONSVILLE, MD 21228 | AFLAC | $15 | $1 | $16 | 2.15% |
| CAROLINE D MORNINGSTAR3 Filed as: CAROLINE D MORINGSTAR | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $9 | $1 | $10 | 1.34% |
| MARIA USIAK3 Filed as: MARIA L USIAK | 250 E MAIN STREET FLOOR 2 CLINTON, CT 06413 | AFLAC | $8 | — | $8 | 1.07% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $6 | $1 | $7 | 0.94% |
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 | 589 | 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) | 589 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts) | AFLAC | 34 | $79K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 589 | $191K |
| Short-term disability(8 contracts) | AFLAC | 34 | $79K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 589 | $191K |
| Other(9 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 589 | $270K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 589 | — |
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.