| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DUDLEY C AIST JR3 Filed as: DUDLEY C AIST & ASSOCIATES | PO BOX 1768 2F INDUSTRIAL PARK DR. WALDORF, MD 20602 | GHMSI/CAREFIRST BLUECHOICE | $63K | $10K | $73K | 2.32% |
| DUDLEY C AIST JR3 Filed as: DUDLEY C AIST & ASSOCIATES INC | PO BOX 1768 WALDORF, MD 20604 | AETNA LIFE INSURANCE CO. | $14K | — | $14K | 4.72% |
| HOWARTH III, FREDERICK W | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | $5K | $33K | 11.07% |
| CATHLENE H FUNK | 12 COLONIAL OAKS COURT PHOENIX, MD 21131 | AFLAC | $7K | $213 | $8K | 6.91% |
| DUDLEY C AIST JR3 | P O BOX 1768 WALDORF, MD 20604 | AFLAC | $2K | — | $2K | 1.80% |
| ERIC M SILVERMAN | 1423 MARTIN MEADOWS DR FALLSTON, MD 21047 | AFLAC | $831 | $43 | $874 | 0.78% |
| KATIE E EVANS | 156 CHURCH MEADOW COURT CHESTERTOWN, MD 21620 | AFLAC | $833 | — | $833 | 0.75% |
| G CARLTON COX JR | 6913 CALLE DE BANDOLEDO NAVARRE, FL 32566 | AFLAC | $759 | — | $759 | 0.68% |
| THOMAS ASSOCIATES LLC | 2801 SCENIC MEADOW ST WALDORF, MD 20603 | AFLAC | $581 | — | $581 | 0.52% |
| DAVID MORNINGSTAR | 11285 DOVEDALE CT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $439 | $42 | $481 | 0.43% |
| CAROLINE D MORNINGSTAR | 11285 DOVEDALE CT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $420 | — | $420 | 0.38% |
| MEGAN R SILVERMAN | 1423 MARTIN MEADOWS DR FALLSTON, MD 21047 | AFLAC | $328 | $42 | $370 | 0.33% |
| MICHAEL C WALKER | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $264 | $11 | $275 | 0.25% |
| ELIZABETH C WOOD | 427 ROSS GULCH RD TOWNSEND, MT 59644 | AFLAC | $181 | — | $181 | 0.16% |
| RONALD F NEEDLES | 3272 PLATTMOOR DR MYRTLE BEACH, SC 29588 | AFLAC | $159 | — | $159 | 0.14% |
| BONNIE S HEMBROCK | 3292 AMERICAN SADDLER DR PARK CITY, UT 84060 | AFLAC | $152 | — | $152 | 0.14% |
| JOHN J REITH | 7010 HOMELAND CT PRINCE FREDERICK, MD 20678 | AFLAC | $121 | $11 | $132 | 0.12% |
| KENNETH B COFER | 5950 SYMPHONY ROAD STE 214 COLUMBIA, MD 21044 | AFLAC | $123 | — | $123 | 0.11% |
| DANIEL V ADAMS | 1814 C STREET NE WASHINGTON, DC 20002 | AFLAC | $102 | — | $102 | 0.09% |
| DAVID SCHENKEL JR | 2141 INDUSTRIAL PKWY STE 204 SILVER SPRING, MD 20904 | AFLAC | $101 | — | $101 | 0.09% |
| KEVIN V THOMAS | 2801 SCENIC MEADOW ST WALDORF, MD 20603 | AFLAC | $81 | — | $81 | 0.07% |
| MATTHEW W EVANS | 817 MAIDEN CHOICE LN STE 340 CATONSVILLE, MD 21228 | AFLAC | $58 | — | $58 | 0.05% |
| JOSEPH M BRZECZEK | 1012 W STATE COLLEGE RD STE 203 DOVER, DE 19904 | AFLAC | $56 | — | $56 | 0.05% |
| HOLLY KHALAF | 212 RIDGEPOINT PLACE 38 GAITHERSBURG, MD 20878 | AFLAC | $56 | — | $56 | 0.05% |
| RYAN HINES | 3675 MILITARY RD ARLINGTON, VA 22207 | AFLAC | $56 | — | $56 | 0.05% |
| TAMMY W SALLEE | 9375 CHESAPEAKE STREET SUITE 221 LA PLATA, MD 20646 | AFLAC | $41 | — | $41 | 0.04% |
| JASON ALLAN BARE | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $35 | — | $35 | 0.03% |
| JAMES A SCOTT & SON INC Filed as: JAMES R HILL SR | 9701 GAYTON RD STE 6 RICHMOND, VA 23238 | AFLAC | $31 | — | $31 | 0.03% |
| BRYAN FISH | 4050 CANDLE LIGHT DR DAYTON, MD 21036 | AFLAC | $24 | — | $24 | 0.02% |
| BRADLEY S JONES | 19 BRITISH AMERICAN BLVD WEST LATHAM, NY 12110 | AFLAC | $24 | — | $24 | 0.02% |
| SCOTT M GOLDEN | 8709 BURDETTE RD BETHESDA, MD 20817 | AFLAC | $23 | — | $23 | 0.02% |
| STEPHEN BEAMAN | 1401 KIMBERLY RD NEW BERN, NC 28562 | AFLAC | $23 | — | $23 | 0.02% |
| MELISSA S LYNCH | 507 AUGUSTA DR ARNOLD, MD 21012 | AFLAC | $21 | — | $21 | 0.02% |
| PETE E KHALAF | 13005 CARNEY ST SILVER SPRING, MD 20906 | AFLAC | $18 | — | $18 | 0.02% |
| LISA J SEPESI | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $17 | — | $17 | 0.02% |
| RICHARD LEE CROUT | PO BOX 8041 MYRTLE BEACH, SC 29578 | AFLAC | $15 | — | $15 | 0.01% |
| CRISTY PAYNE Filed as: CRISTY LYNN PAYNE | 9682 MARYLAND AVE LAUREL, MD 20723 | AFLAC | $15 | — | $15 | 0.01% |
| JOHN C KAUTTER Filed as: JOHN KAUTTER | 11821 PARKLAWN DR STE 125 ROCKVILLE, MD 20852 | AFLAC | $15 | — | $15 | 0.01% |
| EVERETT C BENNETT | 902 POPLAR ST MILFORD, DE 19963 | AFLAC | $11 | — | $11 | 0.01% |
| CHARLENE BELTON | 601 PENN. AVE NW N BLDG STE 708 WASHINGTON, DC 20004 | AFLAC | $2 | — | $2 | 0.00% |
| EXSEPTIONAL SERVICES INC | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $2 | — | $2 | 0.00% |
| KELLIE L LIMING | 6310 HAMS FORD RD SPOTSYLVANIA, VA 22551 | AFLAC | $1 | — | $1 | 0.00% |
| SCOTT A ERWIN | 8020 BENNINGTON DRIVE KNOXVILLE, TN 37909 | AFLAC | $1 | — | $1 | 0.00% |
| DUDLEY C AIST JR3 Filed as: DUDLEY C AIST & ASSOCIATES INC | 2F INDUSTRIAL PARK DRIVE WALDORF, MD 20602 | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | $2K | — | $2K | 4.17% |
| DUDLEY C AIST JR3 Filed as: DUDLEY C AIST & ASSOCIATES | 2F INDUSTRIAL PARK DRIVE WALDORF, MD 20602 | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | $10K | — | $10K | 18.51% |
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 | 338 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 342 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GHMSI/CAREFIRST BLUECHOICE | 332 | $3.2M |
| Dental | AETNA LIFE INSURANCE CO. | 781 | $307K |
| Life insurance | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | 349 | $55K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 344 | $295K |
| Prescription drug | GHMSI/CAREFIRST BLUECHOICE | 332 | $3.2M |
| Other(3 contracts, 2 carriers) | AFLAC | 349 | $220K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 781 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.