| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND, LLC | 170 JENNIFER RD., STE. 130 ANNAPOLIS, MD 21401 | HARTFORD LIFE AND ACCIDENT | $24K | — | $24K | 1.25% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND, LLC | 170 JENNIFER RD., STE. 130 ANNAPOLIS, MD 21401 | SYMETRA LIFE INSURANCE COMPANY | $154K | $42K | $197K | 15.30% |
| KRISTAN MALACRIDA3 | 4050 CANDLE LIGHT DRIVE DAYTON, MD 21036 | AFLAC | $10K | $855 | $11K | 3.42% |
| THE MORAN GROUP LLC3 | 696 RITCHIE HWY SUITE 200 SEVERNA PARK, MD 21146 | AFLAC | $11K | — | $11K | 3.38% |
| BRYAN FISH3 | 4050 CANDLE LIGHT DRIVE DAYTON, MD 21036 | AFLAC | $8K | $324 | $8K | 2.63% |
| MARCI COHEN3 | 10100 TWIN RIVERS RD APT 422 COLUMBIA, MD 21044 | AFLAC | $1K | $514 | $2K | 0.62% |
| JEAN CLAUDE FRESNEL JR3 | 700 12TH ST NW STE 700 WASHINGTON, DC 20005 | AFLAC | $2K | — | $2K | 0.52% |
| PAUL THAYER3 | 9225 BRETTON REEF RD PARKVILLE, MD 21234 | AFLAC | $1K | $173 | $1K | 0.40% |
| MARK STONER3 | 10170 CAPE ANN DR COLUMBIA, MD 21046 | AFLAC | $962 | $150 | $1K | 0.34% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $610 | — | $610 | 0.19% |
| HELEN LIPCHOCK3 | 3204 GRAY MARSH CT IJAMSVILLE, MD 21754 | AFLAC | $519 | $2 | $521 | 0.16% |
| JONATHAN P DUNN3 | 3337 TWIN RIDGE DR CHARLOTTE, NC 28210 | AFLAC | $475 | — | $475 | 0.15% |
| MATTHEW G BURNSIDE3 | 13309 CANTERBURY CASTLE DR CHARLOTTE, NC 28273 | AFLAC | $425 | — | $425 | 0.13% |
| JEREMY A FELDMAN3 | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $355 | — | $355 | 0.11% |
| MICHAEL BENDER3 | 1803 RESEARCH BLVD STE 400 ROCKVILLE, MD 20850 | AFLAC | $339 | — | $339 | 0.11% |
| BARBARA FISH3 | 638 SIDELING CT SYKESVILLE, MD 21784 | AFLAC | $247 | — | $247 | 0.08% |
| CHARLES SMITH3 Filed as: CHARLES M SMITH | 964 S MACON ST BALTIMORE, MD 21224 | AFLAC | $196 | — | $196 | 0.06% |
| EDWIN VEGA3 | 134 PINECOVE AVE ODENTON, MD 21113 | AFLAC | $163 | — | $163 | 0.05% |
| KELLY LYNN FELDMAN3 | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $155 | — | $155 | 0.05% |
| ILA GIBSON VANCE3 | 10641 GRAMERCY PL., UNIT 248 COLUMBIA, MD 21044 | AFLAC | $155 | — | $155 | 0.05% |
| EBONI CALDWELL OSBORNE3 | P O BOX 5321 COLUMBIA, MD 21045 | AFLAC | $120 | — | $120 | 0.04% |
| DAVID SCHENKEL JR3 | 2141 INDUSTRIAL PKWY STE 204 SILVER SPRING, MD 20904 | AFLAC | $102 | — | $102 | 0.03% |
| STEVEN MONSON3 | 1268 MAPLE AVE BALTIMORE, MA 21227 | AFLAC | $94 | — | $94 | 0.03% |
| MARY NGOC HO3 | 1603 PARHAM PL SILVER SPRING, MD 20903 | AFLAC | $82 | $9 | $91 | 0.03% |
| BRIAN T BUFFONE3 | 646 HARVEST VIEW LN DUNCANSVILLE, PA 16635 | AFLAC | $91 | — | $91 | 0.03% |
| SVETLANA MAGILNER3 | 2000 N BAYSHORE DR APT 220 MIAMI, FL 33137 | AFLAC | $86 | — | $86 | 0.03% |
| JAIME WYNETTE3 | 210 WICKLOW RD GLEN BURNIE, MD 21061 | AFLAC | $74 | — | $74 | 0.02% |
| MATTHEW W EVANS3 | 1344 ASHTON RD STE 200 HANOVER, MD 21076 | AFLAC | $63 | — | $63 | 0.02% |
| TRACY D GREEN3 | 3010 SOUTH DAKOTA AVE NE WASHINGTON, DC 20018 | AFLAC | $63 | — | $63 | 0.02% |
| RHONDA NEWMAN3 | 3336 OFFUTT RD RANDALLSTOWN, MD 21133 | AFLAC | $60 | — | $60 | 0.02% |
| ROBERT S PEVENSTEIN3 | 1207 LIMEKILN RD TOWSON, MD 21286 | AFLAC | $56 | — | $56 | 0.02% |
| DIANE VOGEL3 Filed as: DIANE E VOGEL | 9613 C HARFORD RD 161 BALTIMORE, MD 21234 | AFLAC | $53 | — | $53 | 0.02% |
| JEFFREY DANIEL DUCKWORTH3 | 6168 SILVER ARROWS WAY COLUMBIA, MD 21045 | AFLAC | $48 | — | $48 | 0.01% |
| HILARY RADOLEC3 | 4801 FAIRMONT AVE APT 713 BETHESDA, MD 20814 | AFLAC | $42 | — | $42 | 0.01% |
| GEOFFREY CUNEO3 | 1804 ROBERT SMALL RD ANNAPOLIS, MD 21401 | AFLAC | $40 | — | $40 | 0.01% |
| AMIT JAIN3 | 7169 DEEP FALLS WAY ELKRIDGE, MD 21075 | AFLAC | $33 | — | $33 | 0.01% |
| ANDREW SCHENKEL3 | 1905 CARTER MILL WAY BROOKEVILLE, MD 20833 | AFLAC | $32 | — | $32 | 0.01% |
| BENJAMIN KLINGER3 | 5503 SPRUCE TREE AVE BETHESDA, MD 20814 | AFLAC | $29 | — | $29 | 0.01% |
| JUSTIN MUDGETT3 | 5009 BUSHEY RD SYKESVILLE, MD 21784 | AFLAC | $25 | — | $25 | 0.01% |
| DAVID C FISH3 | 638 SIDELING COURT SYKESVILLE, MD 21784 | AFLAC | $24 | — | $24 | 0.01% |
| CATHERINE A MUSIC3 | 4253 SWEET LEAF LN EDGEWATER, MD 21037 | AFLAC | $24 | — | $24 | 0.01% |
| RYAN HINES3 | 4103 11TH PL N ARLINGTON, VA 22201 | AFLAC | $23 | — | $23 | 0.01% |
| CAROLINE D MORNINGSTAR3 | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $21 | — | $21 | 0.01% |
| DAVID PINHAS YIFRAH3 | 3014 ROMARIC CT APT E BALTIMORE, MD 21209 | AFLAC | $20 | — | $20 | 0.01% |
| JESSICA M CAIN3 | 5505 LAURELTON AVE BALTIMORE, MD 21214 | AFLAC | $17 | — | $17 | 0.01% |
| WILLIAM J BOSTIC3 | 203 MARKET ST STE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $15 | — | $15 | 0.00% |
| MELISSA S LYNCH3 | 507 AUGUSTA DR ARNOLD, MD 21012 | AFLAC | $15 | — | $15 | 0.00% |
| SHEM J BOSTICK3 | 1620 S DITMAR ST OCEANSIDE, CA 92054 | AFLAC | $15 | — | $15 | 0.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INS GROUP INC | 301 INTERNATIONAL CIR HUNT VALLEY, MD 21030 | AFLAC | $14 | — | $14 | 0.00% |
| DANIEL E ALTMIRE3 | 25212 CONRAD CT. DAMASCUS, MD 20872 | AFLAC | $13 | — | $13 | 0.00% |
| SUSAN MCDANIEL3 | 7501 TRAFALGAR CIR APT D221 HANOVER, MD 21076 | AFLAC | $11 | — | $11 | 0.00% |
| RYAN HINES3 | 4114 21ST RD N ARLINGTON, VA 22207 | AFLAC | $11 | — | $11 | 0.00% |
| RANDY S SCHWARTZ3 | 16 PERHALL CT NOTTINGHAM, MD 21236 | AFLAC | $10 | — | $10 | 0.00% |
| ARON D TERAN3 | 3812 CARRIAGE HILL DR FREDERICK, MD 21704 | AFLAC | $9 | — | $9 | 0.00% |
| TRACEY E HARMON3 | 1736 GORDON AVE WINDSOR MILL, MD 21244 | AFLAC | $9 | — | $9 | 0.00% |
| ANASTASIA BARANOV3 | 1905 CARTER MILL WAY BROOKEVILLE, MD 20833 | AFLAC | $8 | — | $8 | 0.00% |
| JASON ALLAN BARE3 | 203 MARKET ST., STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $7 | — | $7 | 0.00% |
| GREGORY HILLIARD3 | 1417 JAY RD SYKESVILLE, MD 21784 | AFLAC | $7 | — | $7 | 0.00% |
| JAMES HAWKINS3 | 2141 INDUSTRIAL PKWY STE 204 SILVER SPRING, MD 20904 | AFLAC | $6 | — | $6 | 0.00% |
| ERIC M SILVERMAN3 | 1423 MARTIN MEADOWS DR FALLSTON, MD 21047 | AFLAC | $6 | — | $6 | 0.00% |
| PETE E KHALAF3 | 13005 CARNEY ST. SILVER SPRING, MD 20906 | AFLAC | $6 | — | $6 | 0.00% |
| DREW SKIBITSKY3 | 1344 ASHTON RD., STE. 200 HANOVER, MD 21244 | AFLAC | $6 | — | $6 | 0.00% |
| CHRISTINA CANTWELL3 | 3337 TWIN RIDGE DR CHARLOTTE, NC 28210 | AFLAC | $5 | — | $5 | 0.00% |
| CAROLYN THERESA GARRISON3 | 908 CLOVIS AVE CAPITOL HEIGHTS, MD 20743 | AFLAC | $5 | — | $5 | 0.00% |
| GREGORY LOPEZ3 | 232 N MAIN ST #A MERCERSBURG, PA 17236 | AFLAC | $4 | — | $4 | 0.00% |
| MICHAEL C WALKER3 | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $4 | — | $4 | 0.00% |
| JEFFREY DANIEL DUCKWORTH3 | 6168 SILVER ARROWS WAY COLUMBIA, MD 21078 | AFLAC | $4 | — | $4 | 0.00% |
| SCOTT CLAUSE3 Filed as: SCOTT M CLAUSE | 308 CHALET DR. MILLERSVILLE, MD 21108 | AFLAC | $3 | — | $3 | 0.00% |
| JOHN A LECKLITER3 | 10 LINDA LN SEVERNA PARK, MD 21146 | AFLAC | $2 | — | $2 | 0.00% |
| SABERNIA FRESNEL3 | 24 FARMHOUSE CT. PIKESVILLE, MD 21146 | AFLAC | $2 | — | $2 | 0.00% |
| MARK JOHNSTON3 Filed as: MARK A JOHNSTON | 124 UNDERKE TER HEDGESVILLE, WV 25427 | AFLAC | $1 | — | $1 | 0.00% |
| DAVID J MCCLELLAN3 Filed as: DAVID J WAGENHEIM | 582 WOODBINE AVE TOWSON, MD 21204 | AFLAC | $1 | — | $1 | 0.00% |
| BRAD BERTOLOTTI3 | 7565 WEATHER WORN WAY UNIT A COLUMBIA, MD 21046 | AFLAC | $1 | — | $1 | 0.00% |
| JESSICA L PORTER3 | 23058 MEADOW MIST RD CLARKSBURG, MD 20871 | AFLAC | $1 | — | $1 | 0.00% |
| LIBERTY INDUSTRIES LLC3 | 700 12TH ST NW, STE. 700 WASHINGTON, DC 20005 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL EDWARD RISKA3 | 203 MARKET ST., STE. 304 HAVRE DE GRACE, MD 21078 | AFLAC | $1 | — | $1 | 0.00% |
| AMANDA EVANS3 | 127 BOONE TRL SEVERNA PARK, MD 21146 | AFLAC | $1 | — | $1 | 0.00% |
| HOWARD D GOLDMAN3 | 10 CROSSROADS DR., STE. 106 OWINGS MILLS, MD 21117 | NORTHWESTERN MUTUAL | $31K | $8K | $38K | 11.89% |
| SCOTT IODICE ASSC LLC3 Filed as: SCOTT IODICE ASSOC LLC | 111 S CALVERT ST., STE. 2500 BALTIMORE, MD 21202 | NORTHWESTERN MUTUAL | $7K | $816 | $8K | 2.36% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND, LLC | 170 JENNIFER RD., STE. 130 ANNAPOLIS, MD 21401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 9.24% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND, LLC | 170 JENNIFER RD., STE. 130 ANNAPOLIS, MD 21401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 8.46% |
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 | 3,485 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 112 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,597 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 5,405 | $279K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,485 | $2.0M |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 3,485 | $2.3M |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 2,727 | $1.3M |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 3,485 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,405 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.