| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFIT SERVICES INC3 | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | UNITED CONCORDIA INSURANCE COMPANY | $4K | — | $4K | 4.66% |
| BECKER BENEFIT GROUP INC3 | 6080 FALLS ROAD SUITE 201 BALTIMORE, MA 21209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 7.11% |
| GROUP BENEFIT SERVICES INC3 | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 3.00% |
| BECKER BENEFIT GROUP INC3 | 6080 FALLS ROAD SUITE 201 BALTIMORE, MD 21209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 6.30% |
| GROUP BENEFIT SERVICES INC3 | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21230 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 3.00% |
| BECKER BENEFIT GROUP INC3 | 6080 FALLS ROAD SUITE 201 BALTIMORE, MD 21209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 9.41% |
| GROUP BENEFIT SERVICES INC3 | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 3.00% |
| CHARLES W HARLAN3 | 5917 MEADOWOOD ROAD BALTIMORE, MD 21212 | AFLAC | $1K | $12 | $1K | 4.61% |
| WILSON K BARNES JR3 | 4 SAINT MICHAELS WAY BALTIMORE, MD 21212 | AFLAC | $1K | $12 | $1K | 3.60% |
| KAREN E ALTMIRE3 | 12800 MIDDLEBROOK ROAD SUITE 490 GERMANTOWN, MD 20874 | AFLAC | $582 | — | $582 | 1.87% |
| DANIEL E ALTMIRE3 | 12800 MIDDLEBROOK ROAD SUITE 490 GERMANTOWN, MD 20874 | AFLAC | $574 | $5 | $579 | 1.86% |
| DIANE L STOIBER3 | 2725 S MOORLAND ROAD SUITE 301 NEW BERLIN, WI 53151 | AFLAC | $168 | — | $168 | 0.54% |
| MARK B COLEMAN3 | 224 COLEMAN ROAD MIDDLETOWN, CT 06457 | AFLAC | $146 | — | $146 | 0.47% |
| WILSON K BARNES JR3 | 2448 DIXIE LANE FOREST HILL, MA 21050 | AFLAC | $120 | — | $120 | 0.39% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $112 | — | $112 | 0.36% |
| ARON D TERAN3 | 3684 HOLBORN PLACE FREDERICK, MD 21704 | AFLAC | $109 | — | $109 | 0.35% |
| STEWART P WOMBLE3 Filed as: STEWART P WOMLE | BOX 397 CHERITON, VA 23316 | AFLAC | $55 | — | $55 | 0.18% |
| KENNETH B COFER3 | 5950 SYMPHONY WOODS ROAD SUITE 214 COLUMBIA, MD 21044 | AFLAC | $40 | — | $40 | 0.13% |
| JEREMY A FELDMAN3 | 15324 SWEETBAY STREET WOODBINE, MA 21797 | AFLAC | $34 | — | $34 | 0.11% |
| CAROLINE D MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $34 | — | $34 | 0.11% |
| SCOTT B LEE3 | 390 CONCORD DRIVE BROOKFIELD, WI 53005 | AFLAC | $27 | — | $27 | 0.09% |
| RONALD J LONGHURST3 | 7045 MELTING SHADOWS LANE COLUMBIA, MD 21045 | AFLAC | $25 | — | $25 | 0.08% |
| MARK JOHNSTON3 Filed as: MARK A JOHNSTON | 934 SWEENEY DRIVE SUITE 8 HAGERSTOWN, MD 21740 | AFLAC | $19 | $4 | $23 | 0.07% |
| CHRISTOPHER PARSONS3 | 193 BEACH ROAD POQUOSON, VA 23662 | AFLAC | $22 | — | $22 | 0.07% |
| KELLY LYNN FELDMAN3 | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $10 | — | $10 | 0.03% |
| GEGORY D HILL3 | 16142 SWALLOWTAIL PLACE MIDLOTHIAN, VA 23113 | AFLAC | $9 | — | $9 | 0.03% |
| DONALD B ORRELL3 | 1581 CHERRY GROVE ROAD N SUFFOLK, VA 23432 | AFLAC | $7 | — | $7 | 0.02% |
| EDWIN VEGA3 | 134 PINECOVE AVENUE ODENTON, MD 21113 | AFLAC | $6 | — | $6 | 0.02% |
| DIVYA JAIN3 | 4401 FAIR LAKES COURT SUITE 304 FAIRFAX, VA 22033 | AFLAC | $5 | — | $5 | 0.02% |
| DAVID J MCCLELLAN3 Filed as: DAVID J WAGENHEIM | 582 WOODBINE AVENUE TOWSON, MD 21204 | AFLAC | $4 | — | $4 | 0.01% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES R HILL SR | 9701 GAYTON ROAD SUITE 6 RICHMOND, VA 23238 | AFLAC | $3 | — | $3 | 0.01% |
| JAMES M PITZ3 | 84 MINK DRIVE CATAULA, GA 31804 | AFLAC | $2 | — | $2 | 0.01% |
| DAVID NERENBERG3 | 61 CALABASH COURT ROCKVILLE, MD 20850 | AFLAC | $2 | — | $2 | 0.01% |
| MICHAEL BENDER3 | 1803 RESEARCH BOULEVARD SUITE 400 ROCKVILLE, MD 20850 | AFLAC | $2 | — | $2 | 0.01% |
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 | 161 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 101 | $76K |
| Vision | AFLAC | 20 | $31K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 143 | $46K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 143 | $55K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 143 | $45K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 143 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.