| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE COVERAGE LLC3 | 16 GREENMEADOW DRIVE SUITE 203 TIMONIUM, MD 21093 | CAREFIRST BLUECHOICE | $48K | $8K | $56K | 5.85% |
| KAREN A STONER3 | 10170 CAPE ANN DRIVE COLUMBIA, MD 21046 | AFLAC | $6K | $816 | $6K | 10.40% |
| ROGERS BENEFIT GROUP INC3 Filed as: WENDY T ROGERS | 633 SEAN DRIVE ANNAPOLIS, MD 21401 | AFLAC | $2K | $353 | $3K | 4.28% |
| CHRISTOPHER W OSMAN3 | 19330 DUTTON ROAD STEWARTSTOWN, PA 17363 | AFLAC | $2K | $227 | $3K | 4.14% |
| MARK D STONER3 | 10170 CAPE ANN DRIVE COLUBMIA, MD 21046 | AFLAC | $2K | $259 | $3K | 4.12% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $603 | $244 | $847 | 1.37% |
| BRYAN FISH3 | 4050 CANDLE LIGHT DRIVE DAYTON, MD 21036 | AFLAC | $775 | $14 | $789 | 1.27% |
| MAUREEN SIBOLD3 | 9017 RED BRANCH ROAD SUITE 201 COLUMBIA, MD 21045 | AFLAC | $482 | — | $482 | 0.78% |
| WILLIAM PHILIP WADE3 | 9140 HIGH BANKS DRIVE EASTON, MD 21601 | AFLAC | $191 | — | $191 | 0.31% |
| KATHRYN MANEY3 | 1025 DONNA LANE HUNTINGTOWN, MD 20639 | AFLAC | $178 | — | $178 | 0.29% |
| CAROL MONTENEGRO3 | 6902 NORMAN AVENUE DUNDALK, MD 21222 | AFLAC | $96 | — | $96 | 0.15% |
| SHEM J BOSTICK3 | 1325 MOUNT HERMON ROAD SUITE 13B SALISBURY, MD 21804 | AFLAC | $90 | — | $90 | 0.15% |
| BRIAN G JAEGGI3 | 5112 TOPANGA CANYON BOULEVARD WOODLAND HILLS, CA 91364 | AFLAC | $55 | — | $55 | 0.09% |
| CAROL MONTENEGRO3 | 8336 PERRI DRIVE SAVAGE, MD 20763 | AFLAC | $48 | — | $48 | 0.08% |
| DAWN M WITTFELT3 | 810 RIVER ROAD SKYESVILLE, MD 21784 | AFLAC | $42 | — | $42 | 0.07% |
| KENNETH B COFER3 | 5950 SYMPHONY WOODS ROAD SUITE 214 COLUMBIA, MD 21044 | AFLAC | $13 | — | $13 | 0.02% |
| KAREN A STONER3 | 10170 CAPE ANN DRIVE COLUMBIA, MD 21046 | AFLAC | $3K | $532 | $4K | 9.70% |
| CHRISTOPHER W OSMAN3 | 19330 DUTTON ROAD STEWARTSTOWN, PA 17363 | AFLAC | $2K | $172 | $2K | 5.97% |
| MARK D STONER3 | 10170 CAPE ANN DRIVE COLUMBIA, MD 21046 | AFLAC | $2K | $180 | $2K | 4.29% |
| ROGERS BENEFIT GROUP INC3 Filed as: WENDY T ROGERS | 633 SEAN DRIVE ANNAPOLIS, MD 21401 | AFLAC | $1K | $226 | $2K | 4.01% |
| BRYAN FISH3 | 4050 CANDLE LIGHT DRIVE DAYTON, MD 21036 | AFLAC | $548 | $30 | $578 | 1.42% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $367 | $150 | $517 | 1.27% |
| WILLIAM PHILIP WADE3 | 9140 HIGH BANKS DRIVE EASTON, MD 21601 | AFLAC | $203 | — | $203 | 0.50% |
| KATHRYN MANEY3 | 1025 DONNA LANE HUNTINGTOWN, MD 20639 | AFLAC | $78 | — | $78 | 0.19% |
| SHEM J BOSTICK3 | 1325 MOUNT HERMON ROAD SUITE 13B SALISBURY, MD 21804 | AFLAC | $63 | — | $63 | 0.15% |
| DAWN M WITTFELT3 | 810 RIVER ROAD SYKESVILLE, MD 21784 | AFLAC | $50 | $6 | $56 | 0.14% |
| BRIAN G JAEGGI3 | 5112 TOPANGA CANYON BOULEVARD WOODLAND HILLS, CA 91364 | AFLAC | $50 | — | $50 | 0.12% |
| KENNETH B COFER3 | 5950 SYMPHONY WOODS ROAD SUITE 214 COLUMBIA, MD 21044 | AFLAC | $12 | — | $12 | 0.03% |
| MATTHEW W EVANS3 | 817 MAIDEN CHOICE LANE SUITE 340 CATONSVILLE, MD 21228 | AFLAC | $4 | — | $4 | 0.01% |
| CAROLINE D MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $1 | — | $1 | 0.00% |
| DAVID MORNINGSTAR3 Filed as: DAVID BYRD | 11285 DOVEDALE COURT MARRIOTTSVILLE, MD 21104 | AFLAC | $1 | — | $1 | 0.00% |
| ROBERT S PEVENSTEIN3 | 400 EAST CROSS STREET BALTIMORE, MD 21230 | AFLAC | $1 | — | $1 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: TENECIA A BROWN | 2223 BROOKFIELD AVENUE BALTIMORE, MD 21217 | AFLAC | $1 | — | $1 | 0.00% |
| SUPPLEMENTAL INS SVCS INC3 Filed as: SUPPLEMENTAL BENEFITS LLC | PO BOX 65307 BALTIMORE, MD 21209 | AFLAC | $1 | — | $1 | 0.00% |
| BENEFIT MALL3 | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21284 | DENTAQUEST MID-ATLANTIC, INC | $1K | — | $1K | 12.00% |
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 | 318 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 139 | $957K |
| Dental | DENTAQUEST MID-ATLANTIC, INC | 169 | $9K |
| Vision | CAREFIRST BLUECHOICE | 139 | $957K |
| Short-term disability(2 contracts) | AFLAC | 80 | $103K |
| Prescription drug | CAREFIRST BLUECHOICE | 139 | $957K |
| Other(2 contracts) | AFLAC | 80 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
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.