| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS LLC | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | AFLAC | $5K | — | $5K | 2.49% |
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS LLC | 2200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21030 | AFLAC | $4K | — | $4K | 2.18% |
| J ELLIS INSURANCE AGENCY INC3 Filed as: J ELLIS INSURANCE AGENCY INC. | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $3K | — | $3K | 1.81% |
| JASON D ELLIS3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $3K | $321 | $3K | 1.64% |
| STEPHEN J SALAMON3 | PO BOX 4252 TIMONIUM, MD 21094 | AFLAC | $2K | — | $2K | 1.20% |
| MICHAEL C WALKER3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $2K | $126 | $2K | 1.03% |
| LISA M GROOM3 | 4 REVELSTONE DRIVE NEWARK, DE 19711 | AFLAC | $2K | $62 | $2K | 0.90% |
| SAMUEL DUANE OLIVER3 | 3205 WESTFIELD AVENUE BALTIMORE, MD 21214 | AFLAC | $1K | $105 | $1K | 0.61% |
| WESLEY K JOHNSON II3 | 8 REED CIRCLE RISING SUN, MD 21911 | AFLAC | $949 | $72 | $1K | 0.55% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $944 | — | $944 | 0.51% |
| CRYSTAL WATERS STARLING3 | 300 SOUTH MAIN STREET NORTH EAST, MD 21901 | AFLAC | $879 | — | $879 | 0.47% |
| SUSAN L MCCLANE3 | PO BOX 52 HAVRE DE GRACE, MD 21078 | AFLAC | $572 | $76 | $648 | 0.35% |
| WILLIAM J BOSTIC3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $535 | $51 | $586 | 0.32% |
| JEFFREY R CAREY3 | 573 BELLEVUE ROAD NEWARK, DE 19713 | AFLAC | $522 | — | $522 | 0.28% |
| DAVID A YENSAN3 | 608 NORTHGATE ROAD ABERDEEN, MD 21001 | AFLAC | $463 | $56 | $519 | 0.28% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $353 | — | $353 | 0.19% |
| NANCY LEE COMBS3 | 221 WEST HIGH STREET ELKTON, MD 21921 | AFLAC | $302 | — | $302 | 0.16% |
| MATTHEW D DIPASQUALE3 Filed as: MATTHEW D DIPASQUALLE | 403 SOUTH EAST AVENUE BALTIMORE, MD 21224 | AFLAC | $290 | — | $290 | 0.16% |
| FREDERICK W WILSON III3 | 573 BELLEVUE ROAD NEWARK, DE 19713 | AFLAC | $284 | — | $284 | 0.15% |
| JASON ALLAN BARE3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $247 | $5 | $252 | 0.14% |
| LEILA RAPPAPORT3 | 123 MENDEL COURT BEAR, DE 19701 | AFLAC | $227 | — | $227 | 0.12% |
| RONALD LUSHBAUGH3 | 321 WOODPOINT AVENUE HAGERSTOWN, MD 21740 | AFLAC | $120 | — | $120 | 0.06% |
| J ELLIS INSURANCE AGENCY INC3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $107 | — | $107 | 0.06% |
| KENNA M ULBINSKY YAKAL3 | 605 TAMARA CIRCLE NEWARK, DE 19711 | AFLAC | $97 | — | $97 | 0.05% |
| CATHERINE A WHEATLEY3 | 21393 HAWKBIT COURT LEXINGTON PARK, MD 20653 | AFLAC | $93 | — | $93 | 0.05% |
| JULIA M SALAMON3 | PO BOX 4252 TIMONIUM, MD 21094 | AFLAC | $93 | — | $93 | 0.05% |
| STEPHEN J SALAMON3 | PO BOX 4252 TIMONIUM, MD 21094 | AFLAC | $81 | — | $81 | 0.04% |
| JAY W COMBS3 | 573 BELLEVUE ROAD NEWARK, DE 19713 | AFLAC | $67 | $10 | $77 | 0.04% |
| JASON D ELLIS3 Filed as: JASON ALLEN BARE | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $75 | — | $75 | 0.04% |
| JAMES W STORY3 | 16595 STEELE ROAD HENDERSON, MD 21640 | AFLAC | $72 | — | $72 | 0.04% |
| SCOTT JACOB INS GROUP LLC3 Filed as: SCOTT RAPPOPORT | 56 WELSH TRACT ROAD APARTMENT 108 NEWARK, DE 19713 | AFLAC | $58 | — | $58 | 0.03% |
| JOSEPH M BRZECZEK3 | 1012 WEST STATE COLLEGE ROAD SUITE 203 DOVER, DE 19904 | AFLAC | $54 | — | $54 | 0.03% |
| KEVIN ARO3 | 410 DERRYTOWN DRIVE BEAR, DE 19701 | AFLAC | $47 | — | $47 | 0.03% |
| LINDSAY DIPASQUALE3 | 1202 JOMAT DRIVE JOPPA, MD 21085 | AFLAC | $40 | — | $40 | 0.02% |
| KIMBERLY L LUSHBAUGH3 | 14 CATAWBA CIRCLE HAGERSTOWN, MD 21742 | AFLAC | $35 | — | $35 | 0.02% |
| KAREN A DEVINE3 | 21071 LARKSPUR COURT LEONARDTOWN, MD 20650 | AFLAC | $33 | — | $33 | 0.02% |
| LISA SIBBIO3 | 14439 WALNUT LOOP GREENCASTLE, PA 17225 | AFLAC | $27 | — | $27 | 0.01% |
| MARK RUSINKO3 | 21 CHRISTINA WOODS COURT NEWARD, DE 19702 | AFLAC | $16 | — | $16 | 0.01% |
| ASHLEY MINSO3 | 7947 BLACK ROAD THURMONT, MD 21788 | AFLAC | $9 | — | $9 | 0.00% |
| SONIA SINCLAIR3 | 102 WEST CRAIL COURT MIDDLETOWN, DE 19709 | AFLAC | $7 | — | $7 | 0.00% |
| LORI DEMANCZYK3 | 21 DUVALL COURT WILMINGTON, DE 19808 | AFLAC | $7 | — | $7 | 0.00% |
| JOSHUA COMBS3 | 93 STARBOARD COURT PERRYVILLE, MD 21903 | AFLAC | $2 | — | $2 | 0.00% |
| HOWER SMITH3 | 3 SPRUCE STREET COATESVILLE, PA 19320 | AFLAC | $2 | — | $2 | 0.00% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | — | $16K | 15.00% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | LIFE INSUANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 15.00% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 15.00% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $680 | — | $680 | 15.00% |
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 | 552 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 558 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 394 | $22K |
| Life insurance | LIFE INSUANCE COMPANY OF NORTH AMERICA | 618 | $84K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 228 | $295K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 618 | $52K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 399 | $554K |
| Other(3 contracts, 3 carriers) | AFLAC | 618 | $274K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 618 | — |
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.