| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DUDLEY AIST & ASSOCIATES3 | PO BOX 1768 2F INDUSTRIAL PARK DR. WALDORF, MD 20602 | GHMSI/CAREFIRST BLUECHOICE | $41K | $123 | $41K | 1.33% |
| TRIBRIDGE PARTNERS LLC3 | 5280 CORPORATE DRIVE, SUITE C250 FREDERICK, MD 21703 | GHMSI/CAREFIRST BLUECHOICE | $21K | $0 | $21K | 0.67% |
| DUDLEY C AIST JR3 Filed as: DUDLEY C AIST & ASSOCIATES INC | PO BOX 1768 WALDORF, MD 20604 | AETNA LIFE INSURANCE CO. | $11K | — | $11K | 3.64% |
| TRIBRIDGE PARTNERS LLC | 5216 CHAIRMANS CT, SUITE 101 FREDERICK, MD 21703 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 1.10% |
| HOWARTH III, FREDERICK W | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | $6K | $35K | 13.01% |
| CATHLENE H FUNK | 12 COLONIAL OAKS COURT PHOENIX, MD 21131 | AFLAC | $8K | $199 | $8K | 9.03% |
| DUDLEY C AIST JR3 | P O BOX 1768 WALDORF, MD 20604 | AFLAC | $2K | $0 | $2K | 2.30% |
| ERIC M SILVERMAN | 1423 MARTIN MEADOWS DR FALLSTON, MD 21047 | AFLAC | $597 | $0 | $597 | 0.64% |
| G CARLTON COX JR | 6913 CALLE DE BANDOLEDO NAVARRE, FL 32566 | AFLAC | $571 | $0 | $571 | 0.61% |
| MATTHEW W EVANS | 1344 ASHTON RD STE 200 HANOVER, MD 21076 | AFLAC | $479 | $0 | $479 | 0.52% |
| THOMAS ASSOCIATES LLC | 2801 SCENIC MEADOW ST WALDORF, MD 20603 | AFLAC | $451 | $0 | $451 | 0.49% |
| KATIE E EVANS | 156 CHURCH MEADOW COURT CHESTERTOWN, MD 21620 | AFLAC | $383 | $45 | $428 | 0.46% |
| DAVID MORNINGSTAR | 11285 DOVEDALE CT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $326 | $0 | $326 | 0.35% |
| MEGAN R SILVERMAN | 1423 MARTIN MEADOWS DR FALLSTON, MD 21047 | AFLAC | $233 | $0 | $233 | 0.25% |
| MICHAEL C WALKER | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $208 | $0 | $208 | 0.22% |
| JOSEPH M BRZECZEK | 1012 W STATE COLLEGE RD STE 203 DOVER, DE 19904 | AFLAC | $192 | $8 | $200 | 0.22% |
| MATTHEW W EVANS | 817 MAIDEN CHOICE LN STE 340 CATONSVILLE, MD 21228 | AFLAC | $133 | $49 | $182 | 0.20% |
| ELIZABETH C WOOD | 427 ROSS GULCH RD TOWNSEND, MT 59644 | AFLAC | $133 | $0 | $133 | 0.14% |
| CAROLINE D MORNINGSTAR | 11285 DOVEDALE CT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $80 | $49 | $129 | 0.14% |
| BONNIE S HEMBROCK | 3292 AMERICAN SADDLER DR PARK CITY, UT 84060 | AFLAC | $124 | $0 | $124 | 0.13% |
| WORTHAM SAN ANTONIO INC Filed as: JOHN CAPOZZI | 254 CHAPMAN RD STE 203 NEWARK, DE 19702 | AFLAC | $113 | $0 | $113 | 0.12% |
| RONALD F NEEDLES | 3272 PLATTMOOR DR MYRTLE BEACH, SC 29588 | AFLAC | $110 | $0 | $110 | 0.12% |
| KEVIN V THOMAS | 2801 SCENIC MEADOW ST WALDORF, MD 20603 | AFLAC | $106 | $0 | $106 | 0.11% |
| KENNETH B COFER | 5950 SYMPHONY ROAD STE 214 COLUMBIA, MD 21044 | AFLAC | $93 | $0 | $93 | 0.10% |
| DAVID SCHENKEL JR | 2141 INDUSTRIAL PKWY STE 204 SILVER SPRING, MD 20904 | AFLAC | $84 | $0 | $84 | 0.09% |
| DANIEL V ADAMS | 1814 C STREET NE WASHINGTON, DC 20002 | AFLAC | $76 | $0 | $76 | 0.08% |
| JOHN J REITH | 7010 HOMELAND CT PRINCE FREDERICK, MD 20678 | AFLAC | $41 | $7 | $48 | 0.05% |
| DREW SKIBITSKY | 1000 FELL ST APT 627 BALTIMORE, MD 21231 | AFLAC | $42 | $0 | $42 | 0.05% |
| TAMMY W SALLEE | 9375 CHESAPEAKE STREET SUITE 221 LA PLATA, MD 20646 | AFLAC | $35 | $0 | $35 | 0.04% |
| JEREMY A FELDMAN | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $26 | $0 | $26 | 0.03% |
| JASON ALLAN BARE | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $25 | $0 | $25 | 0.03% |
| JAMES A SCOTT & SON INC Filed as: JAMES R HILL SR | 9701 GAYTON RD STE 6 RICHMOND, VA 23238 | AFLAC | $25 | $0 | $25 | 0.03% |
| BRYAN FISH | 4050 CANDLE LIGHT DR DAYTON, MD 21036 | AFLAC | $20 | $0 | $20 | 0.02% |
| BRADLEY S JONES | 19 BRITISH AMERICAN BLVD WEST LATHAM, NY 12110 | AFLAC | $20 | $0 | $20 | 0.02% |
| SCOTT M GOLDEN | 8709 BURDETTE RD BETHESDA, MD 20817 | AFLAC | $19 | $0 | $19 | 0.02% |
| STEPHEN BEAMAN | 1401 KIMBERLY RD NEW BERN, NC 28562 | AFLAC | $18 | $0 | $18 | 0.02% |
| LISA J SEPESI | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $14 | $0 | $14 | 0.02% |
| RICHARD LEE CROUT | PO BOX 8041 MYRTLE BEACH, SC 29578 | AFLAC | $12 | $0 | $12 | 0.01% |
| KELLY LYNN FELDMAN | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $11 | $0 | $11 | 0.01% |
| EVERETT C BENNETT | 902 POPLAR ST MILFORD, DE 19963 | AFLAC | $9 | $0 | $9 | 0.01% |
| DAVID J MCCLELLAN Filed as: DAVID J WAGENHEIM | 582 WOODBINE AVE TOWSON, MD 21204 | AFLAC | $6 | $0 | $6 | 0.01% |
| EDWIN VEGA | 134 PINECONE AVE ODENTON, MD 21113 | AFLAC | $5 | $0 | $5 | 0.01% |
| MICHAEL EDWARD RISKA | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $5 | $0 | $5 | 0.01% |
| MELISSA S LYNCH | 507 AUGUSTA DR ARNOLD, MD 21012 | AFLAC | $4 | $0 | $4 | 0.00% |
| JASON D ELLIS | 203 MARKET STREET STE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $3 | $0 | $3 | 0.00% |
| DALE SHADDOCK | 19 CEDARVALE CT COCKEYSVILLE, MD 21030 | AFLAC | $3 | $0 | $3 | 0.00% |
| HILARY RADOLEC | 4801 FAIRMONT AVE APT 713 BETHESDA, MD 20814 | AFLAC | $3 | $0 | $3 | 0.00% |
| GREGORY D HILL | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $3 | $0 | $3 | 0.00% |
| JAME M PITZ | 84 MINK DRIVE CATAULA, GA 31804 | AFLAC | $3 | $0 | $3 | 0.00% |
| CHARLENE BELTON | 601 PENN. AVE NW N BLDG STE 708 WASHINGTON, DC 20004 | AFLAC | $1 | $0 | $1 | 0.00% |
| EXSEPTIONAL SERVICES INC | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $1 | $0 | $1 | 0.00% |
| WORTHAM SAN ANTONIO INC Filed as: JOHN A PITUCH | 60 US HIGHWAY 46 FAIRFIELD, NJ 07004 | AFLAC | $1 | $0 | $1 | 0.00% |
| TRIBRIDGE PARTNERS LLC3 | 5280 CORPORATE DRIVE, SUITE C250 FREDERICK, MD 21703 | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | $2K | — | $2K | 3.63% |
| TRIBRIDGE PARTNERS LLC3 | 5280 CORPORATE DRIVE, SUITE C250 FREDERICK, MD 21073 | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | $10K | — | $10K | 18.49% |
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 | 318 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GHMSI/CAREFIRST BLUECHOICE | 330 | $3.1M |
| Dental | AETNA LIFE INSURANCE CO. | 756 | $307K |
| Life insurance(2 contracts) | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | 357 | $110K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 346 | $272K |
| Prescription drug | GHMSI/CAREFIRST BLUECHOICE | 330 | $3.1M |
| Other(2 contracts, 2 carriers) | AFLAC | 357 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 756 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.