| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALKEME INSURANCE SERVICES INC3 | 6080 FALLS ROAD SUITE 201 BALTIMORE, MD 21209 | GUARDIAN | $15K | — | $15K | 10.00% |
| ALKEME INSURANCE SERVICES INC3 | 6080 FALLS ROAD SUITE 201 BALTIMORE, MD 21209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 4.48% |
| GROUP BENEFIT SERVICES INC3 | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 3.00% |
| ALKEME INSURANCE SERVICES INC3 | 6080 FALLS ROAD SUITE 201 BALTIMORE, MD 21209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 6.40% |
| GROUP BENEFIT SERVICES INC3 | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 3.00% |
| ALKEME INSURANCE SERVICES INC3 | 6080 FALLS ROAD SUITE 201 BALTIMORE, MD 21209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 4.48% |
| GROUP BENEFIT SERVICES INC3 | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 3.00% |
| CHARLES HARLAN3 | 1065 W JOPPA ROAD UNIT 719 TOWSON, MD 21204 | AFLAC | $2K | $28 | $2K | 6.14% |
| WILSON BARNES JR3 | 4 SAINT MICHAELS WAY BALTIMORE, MD 21212 | AFLAC | $2K | $28 | $2K | 5.69% |
| DIVYA JAIN3 | 50 APPLIED BANK BOULEVARD SUITE 106 GLEN MILLS, PA 20151 | AFLAC | $1K | $13 | $1K | 3.51% |
| JOHN KAUTTER II3 | 50 APPLIED BANK BOULEVARD SUITE 106 GLEN MILLS, PA 19342 | AFLAC | $730 | $13 | $743 | 2.03% |
| KAREN E ALTMIRE3 | 2275 RESEARCH BOULEVARD SUITE 500 ROCKVILLE, MD 20850 | AFLAC | $434 | — | $434 | 1.18% |
| DANIEL E ALTMIRE3 Filed as: DANIEL ALTMIRE | 25212 CONRAD COURT DAMASCUS, MD 20872 | AFLAC | $353 | — | $353 | 0.96% |
| DIANE L STOIBER3 | S70W13031 WOODS ROAD MUSKEGO, WI 53150 | AFLAC | $232 | $26 | $258 | 0.70% |
| MARK B COLEMAN3 Filed as: MARK COLEMAN | 224 COLEMAN ROAD MIDDLETOWN, CT 06457 | AFLAC | $132 | — | $132 | 0.36% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DRIVE ELLICOTT CITY, MD 21042 | AFLAC | $75 | — | $75 | 0.20% |
| GREER INSURANCE3 | 8370 VETERANS HWY SUITE 101 MILLERSVILLE, MD 21108 | AFLAC | $61 | — | $61 | 0.17% |
| FRANCES SHAFFER3 | 14025 TOWER ROAD SMITHBURG, MD 21783 | AFLAC | $37 | — | $37 | 0.10% |
| ARON D TERAN3 | 3812 CARRIAGE HILL DRIVE FREDERICK, MD 21704 | AFLAC | $31 | — | $31 | 0.08% |
| MATTHEW W EVANS3 Filed as: MATTHEW EVANS | 8370 VETERANS HIGHWAY SUITE 101 MILLERSVILLE, MD 21108 | AFLAC | $31 | — | $31 | 0.08% |
| MORGAN E MARKOWSKI3 | 1616 S 167TH STREET NEW BERLIN, WA 53151 | AFLAC | $18 | $6 | $24 | 0.07% |
| RONALD LONGHURST3 | 7045 MELTING SHADOWS LANE COLUMBIA, MD 21045 | AFLAC | $23 | — | $23 | 0.06% |
| JEREMY A FELDMAN3 Filed as: JEREMY FELDMAN | 11337 NEWPORT BAY DRIVE BERLIN, MD 21811 | AFLAC | $23 | — | $23 | 0.06% |
| CAROLINE D MORNINGSTAR3 Filed as: CAROLINE MORNINGSTAR | 4281 BUCKSKIN WOOD RIVE ELLICOTT, MD 21042 | AFLAC | $22 | — | $22 | 0.06% |
| SCOTT B LEE3 Filed as: SCOTT LEE | 390 CONCORD DRIVE BROOKFIELD, WI 53005 | AFLAC | $20 | — | $20 | 0.05% |
| CHRISTOPHER PARSONS3 | 1925 CUBA LANE HAYES, VA 23072 | AFLAC | $17 | — | $17 | 0.05% |
| GREGORY D HILL3 | 16142 SWALLOWTAIL PLACE MIDLOTHIAN, VA 23113 | AFLAC | $8 | — | $8 | 0.02% |
| KELLY LYNN FELDMAN3 Filed as: KELLY FELDMAN | 11337 NEWPORT BAY DRIVE BERLIN, MD 21811 | AFLAC | $8 | — | $8 | 0.02% |
| DONALD B ORRELL3 Filed as: DONALD ORRELL | 1581 CHERRY GROVE ROAD N SUFFOLK, VA 23432 | AFLAC | $5 | — | $5 | 0.01% |
| MARYON WOMBLE3 | PO BOX 397 CHERITON, VA 23316 | AFLAC | $4 | — | $4 | 0.01% |
| DAVID WAGENHEIM3 | 582 WOODBINE AVENUE TOWSON, MD 21204 | AFLAC | $3 | — | $3 | 0.01% |
| JAMES M PITZ3 | 84 MINK DRIVE CATAULA, GA 31804 | AFLAC | $2 | — | $2 | 0.01% |
| ALKEME INSURANCE SERVICES INC3 | 6080 FALLS ROAD SUITE 201 BALTIMORE, MD 21209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $384 | — | $384 | 14.99% |
| GROUP BENEFIT SERVICES INC3 | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $77 | $77 | 3.01% |
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 | 288 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 208 | $150K |
| Vision(2 contracts, 2 carriers) | GUARDIAN | 208 | $187K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 281 | $73K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 281 | $92K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 281 | $74K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 281 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.