| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WLA INSURANCE LLC3 Filed as: WLA INSURANCE | 1246 S THIRD ST LEXINGTON, KY 40203 | CAREFIRST BLUECHOICE | — | $94K | $94K | 4.75% |
| KELLY & ASSOCIATES INSURANCE GROUP Filed as: KELLY & ASSOC | 1 KELLY WAY SPARKS, MD 21152 | CAREFIRST BLUECHOICE | — | $14K | $14K | 0.71% |
| WLA INSURANCE LLC3 | 1246 S THIRD ST LEXINGTON, KY 40203 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $42K | $2K | $45K | 8.12% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE ONE BENEFIT SOLUTIONS LLC | 145 W. OSTEND STREET SUITE 200 BALTIMORE, MD 21230 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$5K | — | -$5K | -0.84% |
| MARCI COHEN3 | 10100 TWIN RIVERS RD APT 422 COLUMBIA, MD 21044 | AFLAC | $4K | $194 | $4K | 8.87% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ROBERT A BROWN | 2614 NORTHWOODS DR JACKSONVILLE, NC 28540 | AFLAC | $3K | $39 | $3K | 6.81% |
| BRYAN FISH3 | 4050 CANDLE LIGHT DR DAYTON, MD 21036 | AFLAC | $489 | $33 | $522 | 1.23% |
| MARK D STONER3 | 10170 CAPE ANN DR COLUMBIA, MD 21046 | AFLAC | $441 | $33 | $474 | 1.12% |
| MATTHEW G BERGER3 Filed as: MATTHEW W PINER | 13633 WAVERTON LN HUNTERSVILLE, NC 28078 | AFLAC | $253 | — | $253 | 0.60% |
| CATHERINE L LEE3 | 10 NUN STREET WILMINGTON, NC 28401 | AFLAC | $191 | — | $191 | 0.45% |
| MELISSA ARMATIS3 Filed as: MELISSA RHODES | 107 SOUTHERN BLVD STE 103A SAVANNAH, GA 31405 | AFLAC | $121 | $27 | $148 | 0.35% |
| MATTHEW G BERGER3 Filed as: MATTHEW W PINER | 100 S SMITHFIELD RD KNIGHTDALE, NC 27545 | AFLAC | $89 | — | $89 | 0.21% |
| ADRIAN B NGO3 | 2006 FALL DR APT A WILMINGTON, NC 28401 | AFLAC | $80 | — | $80 | 0.19% |
| MELISSA ARMATIS3 Filed as: MELISSA RHODES | 306 ROLLINGWOOD DR NEWPORT, NC 28570 | AFLAC | $55 | $1 | $56 | 0.13% |
| JOEL S WADDELL3 | 354 NC 581 HWY S GOLDSBORO, NC 27530 | AFLAC | $40 | — | $40 | 0.09% |
| JONATHAN ALI HAJIMOMEN3 | 1561 E ORANGETHORPE AVE STE 200 FULLERTON, CA 92831 | AFLAC | $26 | — | $26 | 0.06% |
| MARY E TOBIN3 Filed as: MARY E TOVIN | 23636 KINGSTON CREEK RD CALIFORNIA, MD 20619 | AFLAC | $23 | — | $23 | 0.05% |
| DAWN M WITTFELT3 | 810 RIVER RD SYKESVILLE, MD 21784 | AFLAC | $18 | — | $18 | 0.04% |
| KAREN A STONER3 | 10170 CAPE ANN DR COLUMBIA, MD 21046 | AFLAC | $14 | — | $14 | 0.03% |
| THOMAS ASSOCIATES LLC3 | 2801 SCENIC MEADOW ST WALDORF, MD 20603 | AFLAC | $12 | — | $12 | 0.03% |
| ACRISURE LLC3 Filed as: SULLIVAN CURTIS MONROE INS SVCS LLC | 1920 MAIN ST STE 600 IRVINE, CA 92831 | AFLAC | $11 | — | $11 | 0.03% |
| TABELLO INS SERVICES INC3 | 1561 E ORANGETHORPE AVE STE 200 FULLERTON, CA 92831 | AFLAC | $11 | — | $11 | 0.03% |
| AURELIO VELA INSURANCE SERVICES INC3 | 1561 E ORANGETHORPE AVE STE 200 FULLERTON, CA 92831 | AFLAC | $11 | — | $11 | 0.03% |
| SHAWN D SCHWARZ3 Filed as: SHAWN D SHWARZ | 1010 DOWNING AVE STE 200 HAYS, KS 67601 | AFLAC | $10 | — | $10 | 0.02% |
| G SCOTT COOKE3 | 2832 NE 17TH AVE WILTON MANNERS, FL 33334 | AFLAC | $9 | — | $9 | 0.02% |
| CROSS & WOOD AND ASSOC INC3 Filed as: CROSS & WOODS AND ASSOC INC | 12685 AMBERLEIGH LANE LA PLATA, MD 20646 | AFLAC | $8 | — | $8 | 0.02% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $4 | — | $4 | 0.01% |
| BRAD J SCHUMACHER3 | 2804 COUNTRY LANE HAYS, KS 67601 | AFLAC | $3 | — | $3 | 0.01% |
| HILARY RADOLEC3 | 4801 FAIRMONT AVE APT 713 BETHESDA, MD 20814 | AFLAC | $1 | — | $1 | 0.00% |
| JEREMY A FELDMAN3 | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL C WALKER3 | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $1 | — | $1 | 0.00% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE ONE BENEFIT SOLUTIONS | — | MONUMENTAL LIFE INSURANCE COMPANY | $200 | — | $200 | 2.78% |
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 | 412 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 542 | $2.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 412 | $549K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 412 | $549K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 412 | $549K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 412 | $549K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 412 | $549K |
| Prescription drug | CAREFIRST BLUECHOICE | 542 | $2.0M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 412 | $599K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 542 | — |
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.
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.