| 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 | $23K | $0 | $23K | 1.25% |
| ISI OF MARYLAND LLC3 | 170 JENNIFER ROAD SUITE 130 ANNAPOLIS, MD 21401 | SYMETRA LIFE INSURANCE COMPANY | $127K | $26K | $154K | 14.49% |
| THE MORAN GROUP LLC3 | 696 RITCHIE HWY SUITE 200 SEVERNA PARK, MD 21146 | AFLAC | $18K | $0 | $18K | 4.55% |
| KRISTAN MALACRIDA3 | 4050 CANDLE LIGHT DRIVE DAYTON, MD 21036 | AFLAC | $16K | $595 | $17K | 4.30% |
| BRYAN FISH3 | 4050 CANDLE LIGHT DRIVE DAYTON, MD 21036 | AFLAC | $12K | $317 | $12K | 3.06% |
| JEAN CLAUDE FRESNEL JR3 | 700 12TH ST NW STE 700 WASHINGTON, DC 20005 | AFLAC | $2K | $17 | $2K | 0.63% |
| MARCI COHEN3 | 10100 TWIN RIVERS RD APT 422 COLUMBIA, MD 21044 | AFLAC | $2K | $189 | $2K | 0.62% |
| MARK STONER3 | 10170 CAPE ANN DR COLUMBIA, MD 21046 | AFLAC | $1K | $42 | $1K | 0.29% |
| PAUL THAYER3 | 9225 BRETTON REEF RD PARKVILLE, MD 21234 | AFLAC | $1K | $113 | $1K | 0.29% |
| HELEN LIPCHOCK3 | 3204 GRAY MARSH CT IJAMSVILLE, MD 21754 | AFLAC | $1K | $76 | $1K | 0.28% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $866 | $0 | $866 | 0.22% |
| PAUL THAYER3 Filed as: PAUL B THAYER | 5124 SCENIC DR PERRY HALL, MD 21128 | AFLAC | $696 | $22 | $718 | 0.18% |
| JONATHAN P DUNN3 | 3337 TWIN RIDGE DR CHARLOTTE, NC 28210 | AFLAC | $643 | $0 | $643 | 0.16% |
| MATTHEW G BURNSIDE3 | 13309 CANTERBURY CASTLE DR CHARLOTTE, NC 28273 | AFLAC | $556 | $0 | $556 | 0.14% |
| MARY NGOC HO3 | 1603 PARHAM PL SILVER SPRING, MD 20903 | AFLAC | $530 | $0 | $530 | 0.14% |
| JEREMY A FELDMAN3 | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $487 | $0 | $487 | 0.12% |
| DAVID PINHAS YIFRAH3 | 3014 ROMARIC CT APT E BALTIMORE, MD 21209 | AFLAC | $335 | $0 | $335 | 0.09% |
| BARBARA FISH3 | 638 SIDELING CT SYKESVILLE, MD 21784 | AFLAC | $330 | $0 | $330 | 0.08% |
| CHARLES SMITH3 Filed as: CHARLES M SMITH | 964 S MACON ST BALTIMORE, MD 21224 | AFLAC | $272 | $0 | $272 | 0.07% |
| MICHAEL BENDER3 | 1803 RESEARCH BLVD STE 400 ROCKVILLE, MD 20850 | AFLAC | $213 | $0 | $213 | 0.05% |
| KELLY LYNN FELDMAN3 | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $213 | $0 | $213 | 0.05% |
| EDWIN VEGA3 | 134 PINECOVE AVE ODENTON, MD 21113 | AFLAC | $212 | $0 | $212 | 0.05% |
| EBONI CALDWELL OSBORNE3 | P O BOX 5321 COLUMBIA, MD 21045 | AFLAC | $165 | $0 | $165 | 0.04% |
| MATTHEW W EVANS3 | 1344 ASHTON RD STE 200 HANOVER, MD 21076 | AFLAC | $142 | $17 | $159 | 0.04% |
| DIANE VOGEL3 Filed as: DIANE E VOGEL | 9613 C HARFORD RD 161 BALTIMORE, MD 21234 | AFLAC | $133 | $0 | $133 | 0.03% |
| STEVEN MONSON3 | 1268 MAPLE AVE BALTIMORE, MA 21227 | AFLAC | $127 | $0 | $127 | 0.03% |
| ROBERT S PEVENSTEIN3 | 1207 LIMEKILN RD TOWSON, MD 21286 | AFLAC | $117 | $0 | $117 | 0.03% |
| TRACY D GREEN3 | 3010 SOUTH DAKOTA AVE NE WASHINGTON, DC 20018 | AFLAC | $111 | $0 | $111 | 0.03% |
| JEFFREY DANIEL DUCKWORTH3 | 6168 SILVER ARROWS WAY COLUMBIA, MD 21045 | AFLAC | $71 | $35 | $106 | 0.03% |
| DAVID SCHENKEL JR3 | 2141 INDUSTRIAL PKWY STE 204 SILVER SPRING, MD 20904 | AFLAC | $102 | $0 | $102 | 0.03% |
| SIMON JONES3 | 9384 ROCK RIPPLE LN LAUREL, MD 20723 | AFLAC | $67 | $24 | $91 | 0.02% |
| JAIME WYNETTE3 | 210 WICKLOW RD GLEN BURNIE, MD 21061 | AFLAC | $85 | $0 | $85 | 0.02% |
| JESSICA M CAIN3 | 5505 LAURELTON AVE BALTIMORE, MD 21214 | AFLAC | $44 | $34 | $78 | 0.02% |
| GEOFFREY CUNEO3 | 1804 ROBERT SMALL RD ANNAPOLIS, MD 21401 | AFLAC | $77 | $0 | $77 | 0.02% |
| BRIAN T BUFFONE3 | 646 HARVEST VIEW LN DUNCANSVILLE, PA 16635 | AFLAC | $74 | $0 | $74 | 0.02% |
| SHELLY T PROUT3 | 9500 MEDICAL CENTER DR STE 230E LARGO, MD 20774 | AFLAC | $71 | $0 | $71 | 0.02% |
| SVETLANA MAGILNER3 | 2000 N BAYSHORE DR APT 220 MIAMI, FL 33137 | AFLAC | $65 | $0 | $65 | 0.02% |
| RHONDA NEWMAN3 | 3336 OFFUTT RD RANDALLSTOWN, MD 21133 | AFLAC | $64 | $0 | $64 | 0.02% |
| AMIT JAIN3 | 7169 DEEP FALLS WAY ELKRIDGE, MD 21075 | AFLAC | $64 | $0 | $64 | 0.02% |
| HUNTER STOYCOS3 | 5512 MCKINLEY ST BETHESDA, MD 20817 | AFLAC | $30 | $34 | $64 | 0.02% |
| HILARY RADOLEC3 | 4801 FAIRMONT AVE APT 713 BETHESDA, MD 20814 | AFLAC | $61 | $0 | $61 | 0.02% |
| CAROLINE D MORNINGSTAR3 | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $52 | $0 | $52 | 0.01% |
| DAVID C FISH3 | 638 SIDELING COURT SYKESVILLE, MD 21784 | AFLAC | $49 | $0 | $49 | 0.01% |
| BENJAMIN KLINGER3 | 5503 SPRUCE TREE AVE BETHESDA, MD 20814 | AFLAC | $40 | $0 | $40 | 0.01% |
| WILLIAM J BOSTIC3 | 203 MARKET ST STE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $39 | $0 | $39 | 0.01% |
| MELISSA S LYNCH3 | 507 AUGUSTA DR ARNOLD, MD 21012 | AFLAC | $34 | $0 | $34 | 0.01% |
| SVETLANA MAGILNER3 | 2000 N BAYSHORE DR APT 1508 MIAMI, FL 33137 | AFLAC | $33 | $0 | $33 | 0.01% |
| ANDREW SCHENKEL3 | 1905 CARTER MILL WAY BROOKEVILLE, MD 20833 | AFLAC | $32 | $0 | $32 | 0.01% |
| ORAN YOUNG3 Filed as: ORAN W YOUNG | 3607 GOLDEN HILL DR MITCHELLVILLE, MD 20721 | AFLAC | $32 | $0 | $32 | 0.01% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INS GROUP INC | 301 INTERNATIONAL CIR HUNT VALLEY, MD 21030 | AFLAC | $30 | $0 | $30 | 0.01% |
| JUSTIN MUDGETT3 | 5009 BUSHEY RD SYKESVILLE, MD 21784 | AFLAC | $29 | $0 | $29 | 0.01% |
| CATHERINE A MUSIC3 | 4253 SWEET LEAF LN EDGEWATER, MD 21037 | AFLAC | $24 | $0 | $24 | 0.01% |
| SUSAN GAIL IBRAHIM3 | 3003 MOZART DR SILVER SPRING, MD 20904 | AFLAC | $23 | $0 | $23 | 0.01% |
| TRACEY E HARMON3 | 1736 GORDON AVE WINDSOR MILL, MD 21244 | AFLAC | $22 | $0 | $22 | 0.01% |
| MORIAH MORNINGSTAR QUINTAL3 | 901 PENNSYLVANIA AVE WINCHESTER, VA 22601 | AFLAC | $22 | $0 | $22 | 0.01% |
| GERALD MEGGETT3 | 12020 SWALLOW FALLS CT SILVER SPRING, MD 20904 | AFLAC | $21 | $0 | $21 | 0.01% |
| JASON ALLAN BARE3 | 203 MARKET ST STE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $18 | $0 | $18 | 0.00% |
| JOHN A LECKLITER3 | 10 LINDA LN SEVERNA PARK, MD 21146 | AFLAC | $16 | $0 | $16 | 0.00% |
| SHEM J BOSTICK3 | 1620 S DITMAR ST OCEANSIDE, CA 92054 | AFLAC | $15 | $0 | $15 | 0.00% |
| GREGORY LOPEZ3 | 232 N MAIN ST #A MERCERSBURG, PA 17236 | AFLAC | $13 | $0 | $13 | 0.00% |
| MICHAEL C WALKER3 | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $11 | $0 | $11 | 0.00% |
| ROBERT GRANDY3 Filed as: ROBERT W GILLIAM | 306 TROON CIR MOUNT AIRY, MD 21771 | AFLAC | $11 | $0 | $11 | 0.00% |
| CHARLES REESE3 Filed as: CHARLES D GREEN SR | 7331 JENNIFER WAY SYKESVILLE, MD 21784 | AFLAC | $11 | $0 | $11 | 0.00% |
| SUSAN MCDANIEL3 | 7501 TRAFALGAR CIR APT D221 HANOVER, MD 21076 | AFLAC | $10 | $0 | $10 | 0.00% |
| RANDY S SCHWARTZ3 | 16 PERHALL CT NOTTINGHAM, MD 21236 | AFLAC | $10 | $0 | $10 | 0.00% |
| ARON D TERAN3 | 3812 CARRIAGE HILL DR FREDERICK, MD 21704 | AFLAC | $8 | $0 | $8 | 0.00% |
| CHRISTINA CANTWELL3 | 9112 ARBOR GLEN LN CHARLOTTE, NC 28210 | AFLAC | $8 | $0 | $8 | 0.00% |
| DANIEL E ALTMIRE3 | 12800 MIDDLEBROOK RD STE 490 GERMANTOWN, MD 20874 | AFLAC | $7 | $0 | $7 | 0.00% |
| JAMES HAWKINS3 | 2141 INDUSTRIAL PKWY STE 204 SILVER SPRING, MD 20904 | AFLAC | $6 | $0 | $6 | 0.00% |
| SUSAN MCDANIEL3 | 661 SAINT PAUL ST APT D BALTIMORE, MD 21202 | AFLAC | $6 | $0 | $6 | 0.00% |
| CHRISTINA CANTWELL3 | 3337 TWIN RIDGE DR CHARLOTTE, NC 28210 | AFLAC | $6 | $0 | $6 | 0.00% |
| ERIC M SILVERMAN3 | 1423 MARTIN MEADOWS DR FALLSTON, MD 21047 | AFLAC | $6 | $0 | $6 | 0.00% |
| ANASTASIA BARANOV3 | 1905 CARTER MILL WAY BROOKEVILLE, MD 20833 | AFLAC | $4 | $0 | $4 | 0.00% |
| CAROLYN THERESA GARRISON3 | 908 CLOVIS AVE CAPITOL HEIGHTS, MD 20743 | AFLAC | $4 | $0 | $4 | 0.00% |
| DAVID J MCCLELLAN3 Filed as: DAVID J WAGENHEIM | 582 WOODBINE AVE TOWSON, MD 21204 | AFLAC | $4 | $0 | $4 | 0.00% |
| GREGORY HILLIARD3 | 1417 JAY RD SYKESVILLE, MD 21784 | AFLAC | $3 | $0 | $3 | 0.00% |
| SCOTT CLAUSE3 Filed as: SCOTT M CLAUSE | 308 CHALET DR MILLERSVILLE, MD 21108 | AFLAC | $3 | $0 | $3 | 0.00% |
| MICHAEL EDWARD RISKA3 | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $2 | $0 | $2 | 0.00% |
| JASON ALLAN BARE3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $2 | $0 | $2 | 0.00% |
| KIMBERLY L LUSHBAUGH3 | 14 CATAWBA CIR HAGERSTOWN, MD 21742 | AFLAC | $1 | $0 | $1 | 0.00% |
| BRAD BERTOLOTTI3 | 7565 WEATHER WORN WAY UNIT A COLUMBIA, MD 21046 | AFLAC | $1 | $0 | $1 | 0.00% |
| JESSICA L PORTER3 | 23058 MEADOW MIST RD CLARKSBURG, MD 20871 | AFLAC | $1 | $0 | $1 | 0.00% |
| CARLOS A ALMEIDA3 | 419 HARRINGTON RD BEL AIR, MD 21015 | AFLAC | $0 | $0 | $0 | 0.00% |
| HOWARD D GOLDMAN3 | 10 CROSSROADS DR STE 106 OWINGS MILLS, MD 21117 | NORTHWESTERN MUTUAL | $12K | $3K | $15K | 6.18% |
| FREDERICK NELSON SMITH CASSILLY3 | 2594 RIVA RD ANNAPOLIS, MD 21401 | NORTHWESTERN MUTUAL | $11K | $3K | $13K | 5.30% |
| SCOTT IODICE ASSC LLC3 Filed as: SCOTT IODICE ASSOC LLC | 111 S CALVERT ST SUITE 2500 BALTIMORE, MD 21202 | NORTHWESTERN MUTUAL | $4K | $517 | $5K | 1.93% |
| JOHN A LECKLITER3 Filed as: JOHN JOSEPH HORRIGAN | 2594 RIVA RD ANNAPOLIS, MD 21401 | NORTHWESTERN MUTUAL | $1K | $529 | $2K | 0.80% |
| MICHAEL WILLIAM CHARTOS3 | 2594 RIVA RD ANNAPOLIS, MD 21401 | NORTHWESTERN MUTUAL | $292 | $105 | $397 | 0.16% |
| N/A3 | — | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| ISI OF MARYLAND LLC3 | DBA INSURANCE SOLUTIONS 170 JENNIFER RD STE 130 ANNAPOLIS, MD 21401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 10.03% |
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 | 3,392 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 2,610 | $233K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,392 | $1.9M |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 3,392 | $2.1M |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 2,601 | $1.1M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 3,392 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,392 | — |
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.