| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES, INC. | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | TRANSAMERICA | $60K | — | $60K | 39.45% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | $3K | $23K | 17.20% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | $2K | $18K | 17.16% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $1K | $10K | 17.32% |
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS LLC | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | AFLAC | $739 | — | $739 | 2.59% |
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS LLC | 2200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21030 | AFLAC | $569 | — | $569 | 1.99% |
| J ELLIS INSURANCE AGENCY INC3 Filed as: J ELLIS INSURANCE AGENCY INC. | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $473 | — | $473 | 1.65% |
| LISA M GROOM3 | 4 REVELSTONE DRIVE NEWARK, DE 19711 | AFLAC | $470 | — | $470 | 1.64% |
| JASON D ELLIS3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $331 | — | $331 | 1.16% |
| STEPHEN J SALAMON3 | PO BOX 4252 TIMONIUM, MD 21094 | AFLAC | $313 | — | $313 | 1.10% |
| MICHAEL C WALKER3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $273 | — | $273 | 0.96% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $220 | — | $220 | 0.77% |
| SAMUEL DUANE OLIVER3 | 3205 WESTFIELD AVENUE BALTIMORE, MD 21214 | AFLAC | $146 | — | $146 | 0.51% |
| CRYSTAL WATERS STARLING3 | 300 SOUTH MAIN STREET NORTH EAST, MD 21901 | AFLAC | $112 | — | $112 | 0.39% |
| WESLEY K JOHNSON II3 | 8 REED CIRCLE RISING SUN, MD 21911 | AFLAC | $88 | — | $88 | 0.31% |
| JEFFREY R CAREY3 | 573 BELLEVUE ROAD NEWARK, DE 19713 | AFLAC | $73 | — | $73 | 0.26% |
| NANCY LEE COMBS3 | 221 WEST HIGH STREET ELKTON, MD 21921 | AFLAC | $43 | — | $43 | 0.15% |
| DAVID A YENSAN3 | 608 NORTHGATE ROAD ABERDEEN, MD 21001 | AFLAC | $43 | — | $43 | 0.15% |
| MATTHEW D DIPASQUALE3 | 403 SOUTH EAST AVENUE BALTIMORE, MD 21224 | AFLAC | $43 | — | $43 | 0.15% |
| FREDERICK W WILSON III3 | 573 BELLEVUE ROAD NEWARK, DE 19713 | AFLAC | $40 | — | $40 | 0.14% |
| LEILA RAPPAPORT3 | 123 MENDEL COURT BEAR, DE 19701 | AFLAC | $33 | — | $33 | 0.12% |
| JASON ALLAN BARE3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $28 | — | $28 | 0.10% |
| WILLIAM J BOSTIC3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $27 | — | $27 | 0.09% |
| RONALD LUSHBAUGH3 | 321 WOODPOINT AVENUE HAGERSTOWN, MD 21740 | AFLAC | $17 | — | $17 | 0.06% |
| WILLIAM J BOSTIC3 | 203 MARKET STREET SUITE 210 HAVRA DE GRACE, MD 21078 | AFLAC | $15 | — | $15 | 0.05% |
| SUSAN L MCCLANE3 | 555 CONCORD STREET UNIT D HAVRE DE GRACE, MD 21078 | AFLAC | $14 | — | $14 | 0.05% |
| JULIA M SALAMON3 | PO BOX 4252 TIMONIUM, MD 21094 | AFLAC | $14 | — | $14 | 0.05% |
| J ELLIS INSURANCE AGENCY INC3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $13 | — | $13 | 0.05% |
| CATHERINE A WHEATLEY3 | 21393 HAWKBIT COURT LEXINGTON PARK, MD 20653 | AFLAC | $13 | — | $13 | 0.05% |
| J ELLIS INSURANCE AGENCY INC3 Filed as: J ELLIS INSURANCE AGENCY, INC. | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $13 | — | $13 | 0.05% |
| KENNA M ULBINSKY YAKAL3 | 605 TAMARA CIRCLE NEWARK, DE 19711 | AFLAC | $12 | — | $12 | 0.04% |
| JASON D ELLIS3 Filed as: JASON ALLEN BARE | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $11 | — | $11 | 0.04% |
| STEPHEN J SALAMON3 | PO BOX 4252 TIMONIUM, MD 21094 | AFLAC | $10 | — | $10 | 0.03% |
| JOSEPH M BRZECZEK3 | 1012 COLLEGE ROAD SUITE 203 DOVER, DE 19904 | AFLAC | $7 | — | $7 | 0.02% |
| SCOTT A. RAPPAPORT3 Filed as: SCOTT A RAPPAPORT | 56 WELSH TRACT ROAD APARTMENT 108 NEWARK, DE 19713 | AFLAC | $7 | — | $7 | 0.02% |
| JAMES W STORY3 | 130 KELLEY SMITH SCHOOL ROAD PALATKA, FL 32117 | AFLAC | $6 | — | $6 | 0.02% |
| JAY W COMBS3 | 573 BELLEVUE ROAD NEWARK, DE 19713 | AFLAC | $5 | — | $5 | 0.02% |
| LINDSAY DIPASQUALE3 | 1202 JOMAT DRIVE JOPPA, MD 21085 | AFLAC | $5 | — | $5 | 0.02% |
| KIMBERLY L LUSHBAUGH3 | 14 CATAWBA CIRCLE HAGERSTOWN, MD 21742 | AFLAC | $5 | — | $5 | 0.02% |
| JAY W COMBS3 | 573 BELLEVUE ROAD NEWARK, DE 19713 | AFLAC | $5 | — | $5 | 0.02% |
| KAREN A DEVINE3 | 21071 LARKSPUR COURT LEONARDTOWN, MD 20650 | AFLAC | $4 | — | $4 | 0.01% |
| LISA SIBBIO3 | 14439 WALNUT LOOP GREENCASTLE, PA 17225 | AFLAC | $4 | — | $4 | 0.01% |
| KEVIN ARO3 | 410 DERRYTOWN DRIVE BEAR, DE 19701 | AFLAC | $4 | — | $4 | 0.01% |
| ASHLEY MINSO3 | 7947 BLACK ROAD THURMONT, MD 21788 | AFLAC | $2 | — | $2 | 0.01% |
| MARK RUSINKO3 | 21 CHRISTINA WOODS COURT NEWARD, DE 19702 | AFLAC | $2 | — | $2 | 0.01% |
| SONIA SINCLAIR3 | 102 WEST CRAIL COURT MIDDLETOWN, DE 19709 | AFLAC | $1 | — | $1 | 0.00% |
| LORI DEMANCZYK3 | 21 DUVALL COURT WILMINGTON, DE 19808 | AFLAC | $1 | — | $1 | 0.00% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $853 | $127 | $980 | 17.23% |
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 | 554 | 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) | 554 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 401 | $0 |
| Vision | VISION SERVICE PLAN | 383 | $23K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 554 | $106K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 224 | $164K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 554 | $60K |
| Other(4 contracts, 3 carriers) | TRANSAMERICA | 556 | $292K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 556 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.