| 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 | $18K | — | $18K | 10.16% |
| TAMMY E JONES3 | 722 CYPRIAN COURT GAMBRILLS, MD 21054 | AFLAC | $3K | $47 | $3K | 9.11% |
| MATTHEW W EVANS3 | 1344 ASHTON RD SUITE 200 HANOVER, MD 21076 | AFLAC | $935 | $31 | $966 | 3.33% |
| DALE SHADDOCK3 | 8927 MAYFLOWERRD ROSEDALE, MD 21237 | AFLAC | $588 | $133 | $721 | 2.49% |
| DREW SKIBITSKY3 | 1000 FELL ST APT 627 BALTIMORE, MD 21231 | AFLAC | $437 | $9 | $446 | 1.54% |
| CAROLINE D MORNINGSTAR3 | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $281 | — | $281 | 0.97% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $112 | — | $112 | 0.39% |
| WILLIAM FEDO3 | 3224 SUMMIT AVE PARKVILLE, MD 21234 | AFLAC | $57 | — | $57 | 0.20% |
| CARLOS A ALMEIDA3 | 419 HARRINGTON ROAD BEL AIR, MD 21015 | AFLAC | $39 | — | $39 | 0.13% |
| JEREMY A FELDMAN3 Filed as: JEREMY FELDMAN | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $29 | — | $29 | 0.10% |
| DAVID RUBENSTEIN3 | 10 DOWNING CIRCLE DOWNINGTOWN, PA 19335 | AFLAC | $10 | — | $10 | 0.03% |
| KELLY LYNN FELDMAN3 Filed as: KELLY FELDMAN | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $8 | — | $8 | 0.03% |
| MICHAEL P NORRIS3 | 200 DALLAM ROAD NEWARK, DE 19711 | AFLAC | $7 | — | $7 | 0.02% |
| PETER CHRISTIANSON3 | 1204 LONDON CT WARRINGTON, PA 18976 | AFLAC | $3 | — | $3 | 0.01% |
| MAIN LINE BENEFIT SOLUTIONS LLC3 | 1405 LARKSPUR LN MALVERN, PA 19355 | AFLAC | $3 | — | $3 | 0.01% |
| EDWIN VEGA3 | 134 PINECOVE AVE ODENTON, MD 21113 | AFLAC | $2 | — | $2 | 0.01% |
| DAVID WAGENHEIM3 Filed as: DAVID WAGEGEIM | 582 WOODBINE AVE TOWSON, MD 21204 | AFLAC | $2 | — | $2 | 0.01% |
| DALE ARTHUR LOVELLE3 Filed as: DALE LOVELLE | 1427 RISING SUN AVE LANGHORNE, PA 19047 | AFLAC | $1 | — | $1 | 0.00% |
| ERIC R MACDOUGALL3 Filed as: ERIC MACDOUGALL & ASSOC INC | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $1 | — | $1 | 0.00% |
| HILARY RADOLEC3 | 4801 FAIRMONT AVE APT 713 BETHESDA, MD 20814 | AFLAC | $1 | — | $1 | 0.00% |
| ROBERTA ROCCHETTI3 | PO BOX 454 PUTNAM, CT 06260 | AFLAC | $500 | $10 | $510 | 2.80% |
| TAMMY E JONES3 | 722 CYPRIAN COURT GAMBRILLS, MD 21054 | AFLAC | $481 | $5 | $486 | 2.66% |
| CHRISTINE S DENAKER3 | 54 PLEASANT VIEW DR DAYVILLE, CT 06241 | AFLAC | $250 | $3 | $253 | 1.39% |
| FRED A LUCIANO JR3 Filed as: FRED LUCIANO JR | 23 SPRING VALLEY RD WOODBRIDGE, CT 06525 | AFLAC | $175 | $2 | $177 | 0.97% |
| KEVIN J RYAN3 Filed as: KEVIN RYAN | 207 FIELDSTONE LEDYARD, CT 06339 | AFLAC | $148 | — | $148 | 0.81% |
| GINA E VATELL3 | 1453 ABBERBURY DR CONWAY, SC 29527 | AFLAC | $116 | — | $116 | 0.64% |
| ELIZABETH MCGOVERN3 | 900 LAKESIDE DR BRIDGEPORT, CT 06606 | AFLAC | $88 | — | $88 | 0.48% |
| MATTHEW W EVANS3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $85 | $1 | $86 | 0.47% |
| PAUL M WALSH3 | 44 HUNTERS RIDGE ROAD SHELTON, CT 06484 | AFLAC | $82 | — | $82 | 0.45% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER AUSTERMANN | 148 EASTERN BLVD GLASTONBURY, CT 06033 | AFLAC | $82 | — | $82 | 0.45% |
| STEVEN D MARTIN3 Filed as: STEVEN MARTIN | 58 TIMBER LN WILLINGTON, CT 06279 | AFLAC | $73 | — | $73 | 0.40% |
| DREW SKIBITSKY3 | 1000 FELL ST APT 627 BALTIMORE, MD 21231 | AFLAC | $71 | $1 | $72 | 0.39% |
| BRIAN FAIN3 | 54 THIMBLE FARM ROAD BRANFORD, CT 06405 | AFLAC | $47 | — | $47 | 0.26% |
| DAWN MASCHAS3 | 1277 SW HIGH POINT LN PALM CITY, FL 34990 | AFLAC | $45 | — | $45 | 0.25% |
| EDWARD MCCABE3 | 77SERGIO FRANCHI DR STONINGTON, CT 06378 | AFLAC | $43 | — | $43 | 0.24% |
| JOHN M MAURO3 | 23 GLEN SPRING DRIVE TRUMBULL, CT 06611 | AFLAC | $37 | — | $37 | 0.20% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS RD MADISON, CT 06444 | AFLAC | $30 | $2 | $32 | 0.18% |
| NATALIE D RYAN3 Filed as: NATALIE RYAN | 207 FIELDSTONE LEDYARD, CT 06339 | AFLAC | $28 | — | $28 | 0.15% |
| WILLIAM H KIRK3 | 110 JEFFERSON BLVD WARWICK, RI 02888 | AFLAC | $24 | — | $24 | 0.13% |
| MICHAEL REYES3 Filed as: MICHAEL ROBERTS | 110 LIMERICK RD FAIRFIELD, CT 06824 | AFLAC | $24 | — | $24 | 0.13% |
| DENISE SCOTT3 | 27473 TIERRA DEL FUEGO CIR PUNTA GORDA, FL 33983 | AFLAC | $21 | — | $21 | 0.12% |
| JUSTIN GRIFFEY3 | 444 ONCREST TER CLIFFSIDE PARK, NJ 07010 | AFLAC | $21 | — | $21 | 0.12% |
| ROBERT A FELICIANO3 Filed as: ROBERT FELICIANO | 106 WHITTAKE DR STONINGTON, CT 06378 | AFLAC | $20 | — | $20 | 0.11% |
| ELLEN TURTON3 | 64 HARBOR AVE FL 2 BRIDGEPORT, CT 06605 | AFLAC | $18 | — | $18 | 0.10% |
| CAROLINE D MORNINGSTAR3 Filed as: CAROLINE MORINGSTAR | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $17 | — | $17 | 0.09% |
| DAVID MORNINGSTAR3 | 4281 BUCKSSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $12 | — | $12 | 0.07% |
| MATTHEW G BERGER3 Filed as: MATTHEW BERGER | 22 SUNNYRIDGE RD WAYNE, NJ 07470 | AFLAC | $9 | — | $9 | 0.05% |
| MICHAEL REYES3 | 185 PLAINS RD STE 200E MILFORD, CT 06461 | AFLAC | $8 | — | $8 | 0.04% |
| MARIA USIAK3 | 85 RIVER EDGE FARMS RD MADISON, CT 06443 | AFLAC | $7 | — | $7 | 0.04% |
| JOSE A SCHIENEMAN3 Filed as: JOSE SCHIENEMAN | 4515 S MCCLINTOCK DR STE 212 TEMPE, AZ 85282 | AFLAC | $6 | — | $6 | 0.03% |
| TRECIA BRADY3 | 71 NUTMEG CT MIDDLETOWN, CT 06457 | AFLAC | $4 | — | $4 | 0.02% |
| JOSEPH SINAPI3 | 16 SWAN CT CRANSTON, RI 02921 | AFLAC | $3 | — | $3 | 0.02% |
| JOHN K SCHULE3 Filed as: JOHN SCHULE | 102 BLACKWOOD LN STAMFORD, CT 06903 | AFLAC | $2 | — | $2 | 0.01% |
| JEREMY A FELDMAN3 Filed as: JEREMY FLEDMAN | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $2 | — | $2 | 0.01% |
| RAMIN BAHAR3 | 29 APRIL LN NANUET, NY 10954 | AFLAC | $2 | — | $2 | 0.01% |
| MELISSA ARMATIS3 Filed as: MELISSA RHODES | 306 ROLLINGWOOD DR NEWPORT, NC 28570 | AFLAC | $418 | — | $418 | 3.63% |
| TAMMY E JONES3 | 722 CYPRIAN COURT GAMBRILLS, MD 21054 | AFLAC | $349 | $35 | $384 | 3.33% |
| MATTHEW W EVANS3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $178 | $14 | $192 | 1.67% |
| DREW SKIBITSKY3 | 1000 FELL ST APT 627 BALTIMORE, MD 21231 | AFLAC | $72 | $11 | $83 | 0.72% |
| CAROLINE D MORNINGSTAR3 Filed as: CAROLINE MORNINGSTAR | 4281 BUCKSKIN WOOD CT ELLICOTT CITY, MD 21042 | AFLAC | $65 | — | $65 | 0.56% |
| SHANNON PITTS3 | 4115 COLUMBIA RD STE 5PMB198 MARTINEZ, GA 30907 | AFLAC | $41 | $21 | $62 | 0.54% |
| CATHERINE L LEE3 | 10 NUN ST WILMINGTON, NC 28401 | AFLAC | $50 | — | $50 | 0.43% |
| SCOTT NATHAN3 | 1344 ASHTON RD STE 200 HANOVER, MD 21076 | AFLAC | $27 | $14 | $41 | 0.36% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $24 | — | $24 | 0.21% |
| LARRY A WESTON JR3 | 321 WINDSOR ROAD GREENVILLE, NC 27858 | AFLAC | $22 | — | $22 | 0.19% |
| WILLIAM L BAKER IV3 | 1121 WEDGELAND DR RALEIGH, NC 27615 | AFLAC | $22 | — | $22 | 0.19% |
| SARAH E FAGAN3 Filed as: SARAH FAGAN | 2112 HORSE SHOE BND NEW BERN, NC 28562 | AFLAC | $22 | — | $22 | 0.19% |
| JOSHUA M PINCUS SOKOLOFF3 Filed as: JOSHUA PINCUS SOKOLOFF | 1344 ASHTON RD STE 200 HANOVER, MD 21076 | AFLAC | $12 | $2 | $14 | 0.12% |
| JEANETTE ANDREWS3 | 406 BOOTH LANE NEW BERN, NC 28560 | AFLAC | $11 | — | $11 | 0.10% |
| JEREMY A FELDMAN3 Filed as: JEREMY FELDMAN | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $8 | — | $8 | 0.07% |
| CARLOS A ALMEIDA3 | 419 HARRINGTON ROAD BEL AIR, MD 21015 | AFLAC | $5 | — | $5 | 0.04% |
| TINA DAVIDSON3 | 503 TOMAHAWK DRIVE CLAYTON, NC 27520 | AFLAC | $4 | — | $4 | 0.03% |
| LAUREN E SKINNER3 Filed as: LAUREN SKINNER | 1225 NORRIS ST RALEIGH, NC 27604 | AFLAC | $2 | — | $2 | 0.02% |
| JILL DENTON3 | 3500 WESTGATE DR SUITE 602 DURHAM, NC 27707 | AFLAC | $2 | — | $2 | 0.02% |
| GORDON VANN3 | 2156 WESLEY LN GREENVILLE, NC 27858 | AFLAC | $2 | — | $2 | 0.02% |
| EDWIN VEGA3 | 134 PINECOVE AVE ODENTON, MD 21113 | AFLAC | $2 | — | $2 | 0.02% |
| LARA K GRANDE3 Filed as: LARA GRANDE | 117 MORNING MIST LN FRANKLIN, TN 37064 | AFLAC | $1 | — | $1 | 0.01% |
| TAMMY E JONES3 Filed as: TAMMY JONES | 722 CYPRIAN CT GAMBRILLS, MD 21054 | AFLAC | $534 | $198 | $732 | 6.77% |
| DREW SKIBITSKY3 | 1000 FELL ST APT 627 BALTIMORE, MD 21231 | AFLAC | $226 | $54 | $280 | 2.59% |
| SUZANNE HERRMANN3 | 618 ELLSWORTH DR SOLVER SPRING, MD 20910 | AFLAC | $254 | — | $254 | 2.35% |
| MATTHEW W EVANS3 Filed as: MATTHEW EVANS | 1344 ASHTON RD STE 300 MADISON, MD 21076 | AFLAC | $183 | $54 | $237 | 2.19% |
| SHANNON PITTS3 | 4115 COLUMBIA RD STE 5 PMB 198 MARTINEZ, GA 30907 | AFLAC | $136 | $74 | $210 | 1.94% |
| DANIEL E ALTMIRE3 Filed as: DANIEL ALTMIRE | 12800 MIDDLEBROOK RD STE 490 GERMANTOWN, MD 20874 | AFLAC | $51 | — | $51 | 0.47% |
| CAROLINE D MORNINGSTAR3 Filed as: CAROLINE MORNINGSTAR | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $31 | — | $31 | 0.29% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21041 | AFLAC | $10 | — | $10 | 0.09% |
| EDWARD MCCABE3 | SERGIO FRANCHI DR STONINGTON, CT 06378 | AFLAC | $9 | — | $9 | 0.08% |
| JEREMY A FELDMAN3 Filed as: JEREMY FELDMAN | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $7 | — | $7 | 0.06% |
| ROBERT A FELICIANO3 Filed as: ROBERT FELICIANO | 106 WHITTAKER DR STONINGTON, CT 06378 | AFLAC | $5 | — | $5 | 0.05% |
| DELWARD WADKINS3 | 2881 ROSEANN LN CINCINNATI, OH 45239 | AFLAC | $4 | — | $4 | 0.04% |
| KELLY LYNN FELDMAN3 Filed as: KELLY FELDMAN | 15324 SWEETBAY ST MD WOODBINE, MD 21797 | AFLAC | $3 | — | $3 | 0.03% |
| DAVID WAGENHEIM3 | 582 WOODBINE AVE TOWSON, MD 21204 | AFLAC | $3 | — | $3 | 0.03% |
| MICHAEL USIAK3 | 83 RIVER EDGE FRAMS RD MADISON, CT 06443 | AFLAC | $3 | — | $3 | 0.03% |
| LISA REED3 | 17009 KEMBLE LN EDMOND, OK 73012 | AFLAC | $2 | — | $2 | 0.02% |
| MARIA USIAK3 | 85 RIVER EDGE FARMS RD MADISON, CT 06443 | AFLAC | $2 | — | $2 | 0.02% |
| JEFFREY D HARNED3 Filed as: JEFFREY XAVER | 5300 EAGLES NEST LN LELAND, MI 49654 | AFLAC | $1 | — | $1 | 0.01% |
| MICHAEL REYES3 | 185 PLAINS RD STE 200E MILFORD, CT 06461 | AFLAC | $1 | — | $1 | 0.01% |
| TAMMY E JONES3 Filed as: TAMMY JONES | 722 CYPRIAN COURT GAMBRILLS, MD 21054 | AFLAC | $111 | — | $111 | 4.89% |
| MATTHEW W EVANS3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $72 | — | $72 | 3.17% |
| CAROLINE D MORNINGSTAR3 | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $35 | — | $35 | 1.54% |
| CARLOS A ALMEIDA3 | 419 HARRINGTON ROAD BEL AIR, MD 21015 | AFLAC | $16 | — | $16 | 0.70% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $12 | — | $12 | 0.53% |
| MICHAEL P NORRIS3 | 200 DALLAM RD NEWARK, DE 19711 | AFLAC | $8 | — | $8 | 0.35% |
| DAVID RUBENSTEIN3 | 10 DOWNING CIRCLE DOWNINGTOWN, PA 19335 | AFLAC | $7 | — | $7 | 0.31% |
| JEREMY A FELDMAN3 Filed as: JEREMY FELDMAN | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $4 | — | $4 | 0.18% |
| MAIN LINE BENEFIT SOLUTIONS LLC3 | 1405 LARKSPUR LN MALVERN, PA 19355 | AFLAC | $3 | — | $3 | 0.13% |
| KELLY LYNN FELDMAN3 | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $1 | — | $1 | 0.04% |
| ERIC R MACDOUGALL3 Filed as: ERIC MACDOUGALL & ASSOC INC | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $1 | — | $1 | 0.04% |
| DAVID J MCCLELLAN3 Filed as: DAVID J WAGENHEIM | 582 WOODBINE AVE TOWSON, MD 21204 | AFLAC | $1 | — | $1 | 0.04% |
| GLORIA M TORTORELLO3 | 49 GARDEN STREET NEWARK, NJ 07105 | AFLAC | $39 | — | $39 | 2.84% |
| TAMMY E JONES3 | 722 CYPRIAN COURT GAMBRILLS, MD 21054 | AFLAC | $18 | — | $18 | 1.31% |
| CHRISTOPHER J BURRIS3 | 377 VAN DYKE PL BAYVILLE, NJ 08721 | AFLAC | $13 | — | $13 | 0.95% |
| RUSSELL E BURT3 | 51 HILLTOP AVENUE BLACKWOOD, NJ 08012 | AFLAC | $12 | — | $12 | 0.87% |
| MATTHEW W EVANS3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $10 | — | $10 | 0.73% |
| MICHAEL BUTTERFIELD3 | 33 FISHING CREEK RD CAPE MAY COURT HOUSE, NJ 08210 | AFLAC | $6 | — | $6 | 0.44% |
| KEVIN R MCINERNEY3 | 580 WHITE PLAINS ROAD SUITE 600 TARRYTOWN, NY 10591 | AFLAC | $6 | — | $6 | 0.44% |
| CAROLINE D MORNINGSTAR3 | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $5 | — | $5 | 0.36% |
| ALBERT SHUST3 | 200 CENTENNIAL AVENUE SUITE 105 PISCATAWAY, NJ 08854 | AFLAC | $4 | — | $4 | 0.29% |
| CONSTANTINE HADJIS3 | 8721 LACKAWANNA AVE PARKVILLE, MD 21234 | AFLAC | $4 | — | $4 | 0.29% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $2 | — | $2 | 0.15% |
| BRIAN WHITE3 Filed as: BRIAN LEYPOLDT | 67 ALLISON PL EGG HARBOR TWP, NJ 08234 | AFLAC | $1 | — | $1 | 0.07% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $1 | — | $1 | 0.07% |
| TAMMY E JONES3 Filed as: TAMMY JONES | 722 CYPRIAN CT GAMBRILLS, MD 21054 | AFLAC | $63 | — | $63 | 6.61% |
| MATTHEW W EVANS3 Filed as: MATTHEW EVANS | 1344 ASHTON RD STE 200 HANOVER, MD 21076 | AFLAC | $33 | — | $33 | 3.46% |
| CAROLINE D MORNINGSTAR3 Filed as: CAROLINE MORNINGSTAR | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $16 | — | $16 | 1.68% |
| HILARY RADOLEC3 | 4801 FAIRMONT AVE APT 713 BETHESDA, MD 20814 | AFLAC | $1 | — | $1 | 0.10% |
| EDWARD MCCABE3 | 77 SERGIO FRANCHI DR STONINGTON, CT 06378 | AFLAC | $1 | — | $1 | 1.37% |
| TAMMY E JONES3 Filed as: TAMMY JONES | 722 CYPRIAN CT GAMBRILLS, MD 21054 | AFLAC | $1 | — | $1 | 1.37% |
| ROBERT A FELICIANO3 Filed as: ROBERT FELICIANO | 106 WHITTAKER DR STONINGTON, CT 06379 | AFLAC | $1 | — | $1 | 1.37% |
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 | 604 | 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) | 606 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts) | AFLAC | 29 | $63K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 604 | $180K |
| Short-term disability(7 contracts) | AFLAC | 29 | $63K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 604 | $180K |
| Other(9 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 604 | $255K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 604 | — |
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.