| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ISI OF MARYLAND LLC3 | 170 JENNIFER RD STE 130 ANNAPOLIS, MD 21401 | HARTFORD LIFE AND ACCIDENT | $27K | $18K | $45K | 2.39% |
| ISI OF MARYLAND LLC3 | DBA INSURANCE SOLUTIONS 170 JENNIFER ROAD SUITE 130 ANNAPOLIS, MD 21401 | SUN LIFE ASSURANCE COMPANY OF CANADA | $124K | $0 | $124K | 10.81% |
| THE MORAN GROUP LLC3 | 696 RITCHIE HWY SUITE 200 SEVERNA PARK, MD 21146 | AFLAC | $19K | $0 | $19K | 4.46% |
| KRISTAN MALACRIDA3 | 4050 CANDLE LIGHT DRIVE DAYTON, MD 21036 | AFLAC | $16K | $1K | $17K | 4.05% |
| BRYAN FISH3 | 4050 CANDLE LIGHT DRIVE DAYTON, MD 21036 | AFLAC | $13K | $363 | $14K | 3.22% |
| JEAN FRESNEL JR3 | 700 12TH ST NW STE 700 WASHINGTON, DC 20005 | AFLAC | $3K | $261 | $4K | 0.82% |
| MARCI COHEN3 | 10100 TWIN RIVERS RD APT 422 COLUMBIA, MD 21044 | AFLAC | $2K | $128 | $2K | 0.57% |
| HELEN LIPCHOCK3 | 3204 GRAY MARSH CT IJAMSVILLE, MD 21754 | AFLAC | $1K | $0 | $1K | 0.32% |
| PAUL THAYER3 | 9225 BRETTON REEF RD PARKVILLE, MD 21234 | AFLAC | $1K | $0 | $1K | 0.30% |
| MARK STONER3 | 10170 CAPE ANN DR COLUMBIA, MD 21046 | AFLAC | $1K | $45 | $1K | 0.29% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE CT 2ND FL MARRIOTTSVILLE, MD 21104 | AFLAC | $1K | $0 | $1K | 0.25% |
| JONATHAN DUNN3 | 9112 ARBOR GLEN LN CHARLOTTE, NC 28210 | AFLAC | $735 | $0 | $735 | 0.17% |
| MATTHEW G BURNSIDE3 Filed as: MATTHEW BURNSIDE | 13309 CANTERBURY CASTLE DR CHARLOTTE, NC 28273 | AFLAC | $602 | $29 | $631 | 0.15% |
| JEREMY A FELDMAN3 Filed as: JEREMY FELDMAN | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $576 | $0 | $576 | 0.13% |
| BARBARA FISH3 | 638 SIDELING CT SYKESVILLE, MD 21784 | AFLAC | $442 | $0 | $442 | 0.10% |
| JAIME WYNETTE3 | 210 WICKLOW RD GLEN BURNIE, MD 21061 | AFLAC | $199 | $159 | $358 | 0.08% |
| CHARLES SMITH3 | 964 S MACON ST BALTIMORE, MD 21224 | AFLAC | $327 | $0 | $327 | 0.08% |
| STEVEN MONSON3 | 1268 MAPLE AVE BALTIMORE, MD 21227 | AFLAC | $177 | $143 | $320 | 0.07% |
| JEFFREY DANIEL DUCKWORTH3 Filed as: JEFFREY DUCKWORTH | 6168 SILVER ARROWS WAY COLUMBIA, MD 21045 | AFLAC | $203 | $99 | $302 | 0.07% |
| MATTHEW W EVANS3 Filed as: MATTHEW EVANS | 1344 ASHTON RD STE 200 HANOVER, MD 21078 | AFLAC | $293 | $7 | $300 | 0.07% |
| KELLY LYNN FELDMAN3 Filed as: KELLY FELDMAN | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $248 | $0 | $248 | 0.06% |
| EDWIN VEGA3 | 134 PINECOVE AVE ODENTON, MD 21113 | AFLAC | $241 | $0 | $241 | 0.06% |
| JESSICA M CAIN3 Filed as: JESSICA CAIN | 5505 LAURELTON AVE BALTIMORE, MD 21214 | AFLAC | $208 | $0 | $208 | 0.05% |
| EBONI CALDWELL OSBORNE3 | 4201 NEWBERN AVE APT 2 BALTIMORE, MD 21215 | AFLAC | $185 | $0 | $185 | 0.04% |
| GEOFFREY CUNEO3 | 1804 ROBERT SMALL RD ANNAPOLIS, MD 21401 | AFLAC | $146 | $15 | $161 | 0.04% |
| TRACY D GREEN3 Filed as: TRACY GREEN | 3010 SOUTH DAKOTA AVE NE WASHINGTON, DC 20018 | AFLAC | $156 | $0 | $156 | 0.04% |
| SIMON JONES3 | 9384 ROCK RIPPLE LN LAUREL, MD 20723 | AFLAC | $153 | $0 | $153 | 0.04% |
| HUNTER STOYCOS3 | 5512 MCKINLEY ST BETHESDA, MD 20817 | AFLAC | $149 | $0 | $149 | 0.03% |
| ROBERT PEVENSTEIN3 | 1207 LIMEKILN RD TOWSON, MD 21286 | AFLAC | $146 | $0 | $146 | 0.03% |
| DIANE VOGEL3 | 9613 C HARFORD RD 161 BALTIMORE, MD 21234 | AFLAC | $140 | $0 | $140 | 0.03% |
| DAVID SCHENKEL JR3 | 2141 INDUSTRIAL PKWY STE 204 SILVER SPRING, MD 20904 | AFLAC | $114 | $0 | $114 | 0.03% |
| BRIAN T BUFFONE3 Filed as: BRIAN BUFFONE | 646 HARVEST VIEW LN DUNCANSVILLE, PA 16635 | AFLAC | $106 | $0 | $106 | 0.02% |
| SVETLANA MAGILNER3 | 2000 N BAYSHORE DR APT 1508 MIAMI, FL 33137 | AFLAC | $98 | $0 | $98 | 0.02% |
| AMIT JAIN3 | 7169 DEEP FALLS WAY ELKRIDGE, MD 21075 | AFLAC | $92 | $0 | $92 | 0.02% |
| RHONDA NEWMAN3 | 9017 RED BRANCH RD STE 201 COLUMBIA, MD 21045 | AFLAC | $81 | $0 | $81 | 0.02% |
| HILARY RADOLEC3 | 4801 FAIRMONT AVE APT 713 BETHESDA, MD 20814 | AFLAC | $78 | $0 | $78 | 0.02% |
| SHELLY PROUT3 | 9701 APOLLO DR STE 410 LARGO, MD 20774 | AFLAC | $74 | $0 | $74 | 0.02% |
| CAROLINE D MORNINGSTAR3 Filed as: CAROLINE MORNINGSTAR | 11285 DOVEDALE CT 2ND FL MARRIOTTSVILLE, MD 21104 | AFLAC | $64 | $0 | $64 | 0.01% |
| DAWN M WITTFELT3 Filed as: DAWN WITTFELT | 810 RIVER RD SYKESVILLE, MD 21784 | AFLAC | $60 | $0 | $60 | 0.01% |
| TRACEY E HARMON3 Filed as: TRACEY HARMON | 1736 GORDON AVE WINDSOR MILL, MD 21244 | AFLAC | $29 | $31 | $60 | 0.01% |
| MELISSA S LYNCH3 Filed as: MELISSA LYNCH | 507 AUGUSTA DR ARNOLD, MD 21012 | AFLAC | $44 | $14 | $58 | 0.01% |
| BENJAMIN KLINGER3 | 5503 SPRUCE TREE AVE BETHESDA, MD 20814 | AFLAC | $44 | $0 | $44 | 0.01% |
| RANDY S SCHWARTZ3 Filed as: RANDY SCHWARTZ | 16 PERHALL CT NOTTINGHAM, MD 21236 | AFLAC | $42 | $0 | $42 | 0.01% |
| WILLIAM J BOSTIC3 Filed as: WILLIAM BOSTIC | 203 MARKET ST STE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $39 | $0 | $39 | 0.01% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INS GROUP INC | 301 INTERNATIONAL CIR HUNT VALLEY, MD 21030 | AFLAC | $38 | $0 | $38 | 0.01% |
| ORAN YOUNG3 | 3607 GOLDEN HILL DR MITCHELLVILLE, MD 20721 | AFLAC | $33 | $0 | $33 | 0.01% |
| ANDREW SCHENKEL3 | 1905 CARTER MILL WAY BROOKEVILLE, MD 20833 | AFLAC | $32 | $0 | $32 | 0.01% |
| JOHN A LECKLITER3 Filed as: JOHN LECKLITER | 10 LINDA LN SEVERNA PARK, MD 21146 | AFLAC | $21 | $11 | $32 | 0.01% |
| JUSTIN MUDGETT3 | 5009 BUSHEY RD SYKESVILLE, MD 21784 | AFLAC | $29 | $0 | $29 | 0.01% |
| SUSAN GAIL IBRAHIM3 Filed as: SUSAN IBRAHIM | 3003 MOZART DR SILVER SPRING, MD 20904 | AFLAC | $27 | $0 | $27 | 0.01% |
| SUSAN MCDANIEL3 | 661 SAINT PAUL ST APT D BALTIMORE, MD 21202 | AFLAC | $26 | $0 | $26 | 0.01% |
| CATHERINE A MUSIC3 Filed as: CATHERINE MUSIC | 4253 SWEET LEAF LN EDGEWATER, MD 21037 | AFLAC | $26 | $0 | $26 | 0.01% |
| ERIC M SILVERMAN3 Filed as: ERIC SILVERMAN | 1423 MARTIN MEADOWS DR FALLSTON, MD 21047 | AFLAC | $25 | $0 | $25 | 0.01% |
| CHARLES REESE3 Filed as: CHARLES GREEN SR | 7331 JENNIFER WAY SYKESVILLE, MD 21784 | AFLAC | $24 | $0 | $24 | 0.01% |
| GERALD MEGGETT3 | 12020 SWALLOW FALLS CT SILVER SPRING, MD 20904 | AFLAC | $22 | $0 | $22 | 0.01% |
| MORIAH GILKES3 | 622 W BEL AIR AVENUE ABERDEEN, MD 21001 | AFLAC | $22 | $0 | $22 | 0.01% |
| JASON D ELLIS3 Filed as: JASON BARE | 203 MARKET ST STE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $20 | $0 | $20 | 0.00% |
| CHRISTINA CANTWELL3 | 9112 ARBOR GLEN LN CHARLOTTE, NC 28210 | AFLAC | $17 | $0 | $17 | 0.00% |
| SHEM J BOSTICK3 Filed as: SHEM BOSTICK | 1620 S DITMAR ST OCEANSIDE, CA 92054 | AFLAC | $16 | $0 | $16 | 0.00% |
| AMANDA EVANS3 | 127 BOONE TRL SEVERNA PARK, MD 21146 | AFLAC | $1 | $11 | $12 | 0.00% |
| MICHAEL C WALKER3 Filed as: MICHAEL WALKER | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $11 | $0 | $11 | 0.00% |
| ROBERT GILLIAM3 | 306 TROON CIR MOUNT AIRY, MD 21771 | AFLAC | $11 | $0 | $11 | 0.00% |
| DREW SKIBITSKY3 | 1000 FELL ST APT 627 BALTIMORE, MD 21231 | AFLAC | $4 | $7 | $11 | 0.00% |
| JAMES HAWKINS3 | 2141 INDUSTRIAL PKWY STE 204 SILVER SPRING, MD 20904 | AFLAC | $10 | $0 | $10 | 0.00% |
| CAROLYN THERESA GARRISON3 Filed as: CAROLYN GARRISON | 908 CLOVIS AVE CAPITOL HEIGHTS, MD 20743 | AFLAC | $6 | $0 | $6 | 0.00% |
| DAVID WAGENHEIM3 | 582 WOODBINE AVE TOWSON, MD 21204 | AFLAC | $4 | $0 | $4 | 0.00% |
| GREGORY HILLIARD3 | 4395 CAPITAL DR SYKESVILLE, MD 21784 | AFLAC | $3 | $0 | $3 | 0.00% |
| SCOTT CLAUSE3 | 308 CHALET DR MILLERSVILLE, MD 21108 | AFLAC | $3 | $0 | $3 | 0.00% |
| ARLENE G GERST3 Filed as: ARLENE GERST | 15100 INTERLACHEN DR APT 308 SILVER SPRING, MD 20906 | AFLAC | $2 | $0 | $2 | 0.00% |
| MICHAEL C WALKER3 Filed as: MICHAEL RISKA | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $2 | $0 | $2 | 0.00% |
| BRAD BERTOLOTTI3 | 7565 WEATHER WORN WAY UNIT A COLUMBIA, MD 21046 | AFLAC | $1 | $0 | $1 | 0.00% |
| TONYA LANCASTER3 | 1820 THE EXCHANGE SE STE 750 ATLANTA, GA 30339 | AFLAC | $1 | $0 | $1 | 0.00% |
| JONATHAN LUCAS3 | 6250 BROWNS BRIDGE RD CUMMING, GA 30041 | AFLAC | $0 | $0 | $0 | 0.00% |
| EDWARD J DAHLING III3 Filed as: EDWARD DAHLING III | 1344 ASHTON RD STE 200 HANOVER, MD 21076 | AFLAC | $0 | $0 | $0 | 0.00% |
| N/A3 | — | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| HOWARD D GOLDMAN3 | 10 CROSSROADS DR STE 106 OWINGS MILLS, MD 21117 | NORTHWESTERN MUTUAL | $12K | $3K | $15K | 6.88% |
| FREDERICK NELSON SMITH CASSILLY3 | 2594 RIVA RD ANNAPOLIS, MD 21401 | NORTHWESTERN MUTUAL | $12K | $3K | $14K | 6.74% |
| SCOTT IODICE ASSC LLC3 Filed as: SCOTT IODICE ASSOC LLC | 111 S CALVERT ST SUITE 2500 BALTIMORE, MD 21202 | NORTHWESTERN MUTUAL | $4K | $424 | $5K | 2.22% |
| JOHN A LECKLITER3 Filed as: JOHN JOSEPH HORRIGAN | 2594 RIVA RD ANNAPOLIS, MD 21401 | NORTHWESTERN MUTUAL | $2K | $537 | $2K | 1.16% |
| ISI OF MARYLAND LLC3 | DBA INSURANCE SOLUTIONS 170 JENNIFER RD STE 130 ANNAPOLIS, MD 21401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 10.94% |
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 | 4,942 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,965 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 4,942 | $224K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,396 | $1.9M |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 3,396 | $2.1M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,531 | $1.1M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 3,396 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,942 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.