| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INURANCE SERVICES LLC | 11350 MCCORMICK RD EXECUTIVE PLAZA 3 SUITE 1203 BALTIMORE, MD 21031 | CAREFIRST OF MARYLAND, INC. | — | $193K | $193K | 5.46% |
| WLA INSURANCE LLC3 | 1246 S THIRD ST LOUISVILLE, KY 40203 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $48K | $14K | $62K | 7.99% |
| MARCI COHEN3 | 10100 TWIN RIVERS RD APT 422 COLUMBIA, MD 21044 | AFLAC | $7K | $148 | $7K | 12.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ROBERT A BROWN | 108 W ACADEMY ST WILLIAMSTON, NC 27892 | AFLAC | $3K | $88 | $4K | 6.66% |
| BRYAN FISH3 | 4050 CANDLE LIGHT DR DAYTON, MD 21036 | AFLAC | $935 | $35 | $970 | 1.84% |
| MARK D STONER3 | 10170 CAPE ANN DR COLUMBIA, MD 21046 | AFLAC | $894 | $35 | $929 | 1.76% |
| JOEL S WADDELL3 | 354 NC 581 HWY S GOLDSBORO, NC 27530 | AFLAC | $259 | $21 | $280 | 0.53% |
| MATTHEW G BERGER3 Filed as: MATTHEW W PINER | 13633 WAVERTON LN HUNTERSVILLE, NC 28078 | AFLAC | $157 | — | $157 | 0.30% |
| MELISSA ARMATIS3 Filed as: MELISSA RHODES | 306 ROLLINGWOOD DR NEWPORT, NC 28570 | AFLAC | $92 | — | $92 | 0.17% |
| CATHERINE L LEE3 | 10 NUN STREET WILMINGTON, NC 28401 | AFLAC | $88 | — | $88 | 0.17% |
| ADRIAN B NGO3 | 2006 FALL DR APT A WILMINGTON, NC 28401 | AFLAC | $32 | — | $32 | 0.06% |
| THOMAS ASSOCIATES LLC3 | 2801 SCENIC MEADOW ST WALDORF, MD 20603 | AFLAC | $23 | — | $23 | 0.04% |
| DAWN M WITTFELT3 | 810 RIVER RD SYKESVILLE, MD 21784 | AFLAC | $17 | — | $17 | 0.03% |
| JONATHAN ALI HAJIMOMEN3 | 1561 E ORANGETHORPE AVE STE 200 FULLERTON, CA 92831 | AFLAC | $17 | — | $17 | 0.03% |
| MARY E TOBIN3 | 23636 KINGSTON CREEK RD CALIFORNIA, MD 20619 | AFLAC | $15 | — | $15 | 0.03% |
| KAREN A STONER3 | 10170 CAPE ANN DR COLUMBIA, MD 21046 | AFLAC | $13 | — | $13 | 0.02% |
| LAUREL A SEGER3 | 902A MAIN STREET JASPER, IN 47546 | AFLAC | $11 | — | $11 | 0.02% |
| AURELIO VELA INSURANCE SERVICES INC3 | 11721 WHITTER BLVD #472 WHITTER, CA 90601 | AFLAC | $7 | — | $7 | 0.01% |
| TABELLO INS SERVICES INC3 | 1461 SIERRA VISTA DR LA HABRA, CA 90631 | AFLAC | $7 | — | $7 | 0.01% |
| SHAWN D SCHWARZ3 Filed as: SHAWN D SHWARZ | 1010 DOWNING AVE STE 200 HAYS, KS 67601 | AFLAC | $7 | — | $7 | 0.01% |
| CROSS & WOOD AND ASSOC INC3 Filed as: CROSS & WOODS AND ASSOC INC | 12685 AMBERLEIGH LANE LA PLATA, MD 20646 | AFLAC | $7 | — | $7 | 0.01% |
| ACRISURE LLC3 Filed as: SULLIVAN CURTIS MONROE INS SVCS LLC | 1920 MAIN ST STE 600 IRVINE, CA 92831 | AFLAC | $7 | — | $7 | 0.01% |
| G SCOTT COOKE3 | 2832 NE 17TH AVE WILTON MANNERS, FL 33334 | AFLAC | $6 | — | $6 | 0.01% |
| JASON ALLAN BARE3 | 203 MARKET STREET STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $5 | — | $5 | 0.01% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $4 | — | $4 | 0.01% |
| MID ATLANTIC BENEFITS GROUP LLC Filed as: MID ATLANTIC BENEFITS GROUP LL | 203 MARKET ST STE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $4 | — | $4 | 0.01% |
| MICHAEL C WALKER3 | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $4 | — | $4 | 0.01% |
| BRANDEE L JUSTUS3 | 5700 VICTORIA BLUFFS DR NEWBURGH, IN 47630 | AFLAC | $4 | — | $4 | 0.01% |
| JONATHAN MONTGOMERY3 | 1355 N COUNTY ROAD 825 E OTWELL, IN 47564 | AFLAC | $3 | — | $3 | 0.01% |
| BRAD J SCHUMACHER3 | 2804 COUNTRY LANE HAYS, KS 67601 | AFLAC | $2 | — | $2 | 0.00% |
| THOMAS ASSOCIATES LLC3 | 110 DUSTIN LANE NW MADISON, AL 35757 | AFLAC | $2 | — | $2 | 0.00% |
| JEREMY A FELDMAN3 | 12391 HIDDEN BAY DR BERLIN, MD 21811 | AFLAC | $1 | — | $1 | 0.00% |
| CHOICE BENEFITS PLANS INC3 | 21 SE 3RD ST STE 600 EVANSVILLE, IN 47708 | AFLAC | $1 | — | $1 | 0.00% |
| HILARY RADOLEC3 | 165 CROSSBOW LANE GAITHERSBURG, MD 20878 | AFLAC | $1 | — | $1 | 0.00% |
| TAYLOR D. THOMAS3 Filed as: TAYLOR D THOMAS | 1282 SMALLWOOD DR W T PMB 326 WALDORF, MD 20603 | AFLAC | $1 | — | $1 | 0.00% |
| WLA INSURANCE LLC4 | 1246 S THIRD ST LOUSIVILLE, KY 40203 | NEW BENEFITS, LTD | $6K | — | $6K | 23.09% |
| WLA INSURANCE LLC3 | — | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $246 | — | $246 | 4.54% |
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 | 595 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 595 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST OF MARYLAND, INC. | 713 | $3.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 595 | $776K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 595 | $776K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 595 | $776K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 595 | $776K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 595 | $776K |
| Prescription drug | CAREFIRST OF MARYLAND, INC. | 713 | $3.5M |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 595 | $860K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 713 | — |
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.