| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BECKER BENEFIT GROUP INC3 | 6080 FALLS ROAD SUITE 201 BALTIMORE, MD 21209 | GUARDIAN | $13K | — | $13K | 10.00% |
| BECKER BENEFIT GROUP INC3 | 6080 FALLS ROAD SUITE 201 BALTIMORE, MD 21209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 4.25% |
| FIRST NATIONAL INSURANCE AGENCY3 | 2400 BROAD STREET TIMONIUM, MD 21093 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 3.00% |
| BECKER BENEFIT GROUP INC3 | 6080 FALLS ROAD SUITE 201 BALTIMORE, MD 21209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 6.02% |
| FIRST NATIONAL INSURANCE AGENCY3 | 2400 BROAD STREET TIMONIUM, MD 21093 | 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 | 4.29% |
| FIRST NATIONAL INSURANCE AGENCY3 | 2400 BROAD STREET TIMONIUM, MD 21093 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 3.00% |
| CHARLES W HARLAN3 | 5917 MEADOWOOD ROAD BALTIMORE, MD 21212 | AFLAC | $1K | — | $1K | 4.51% |
| WILSON K BARNES JR3 | 4 SAINT MICHAELS WAY BALTIMORE, MD 21212 | AFLAC | $1K | — | $1K | 3.88% |
| DIANE L STOIBER3 | S70W13031 WOODS ROAD MUSKEGO, WI 53150 | AFLAC | $701 | $38 | $739 | 2.56% |
| KAREN E ALTMIRE3 | 2275 RESEARCH BOULEVARD SUITE 500 ROCKVILLE, MD 20850 | AFLAC | $458 | — | $458 | 1.59% |
| DANIEL E ALTMIRE3 Filed as: DANIEL ALTMIRE | 25212 CONRAD COURT DAMASCUS, MD 20872 | AFLAC | $376 | — | $376 | 1.30% |
| MARK B COLEMAN3 Filed as: MARK COLEMAN | 224 COLEMAN ROAD MIDDLETOWN, CT 06457 | AFLAC | $144 | — | $144 | 0.50% |
| JOHN C KAUTTER3 | 14155 NEWBROOK DRIVE SUITE 130 CHANTILLY, VA 20151 | AFLAC | $104 | — | $104 | 0.36% |
| DIVYA JAIN3 | 14155 NEWBROOK DRIVE SUITE 130 CHANTILLY, VA 20151 | AFLAC | $94 | — | $94 | 0.33% |
| MORGAN E MARKOWSKI3 | 1616 S 167TH STREET NEW BERLIN, WA 53151 | AFLAC | $78 | $6 | $84 | 0.29% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DRIVE ELLICOTT CITY, MD 21042 | AFLAC | $80 | — | $80 | 0.28% |
| GREER INSURANCE3 | 8370 VETERANS HWY SUITE 101 MILLERSVILLE, MD 21108 | AFLAC | $66 | — | $66 | 0.23% |
| STEWART P WOMBLE3 | BOX 397 CHERITON, VA 23316 | AFLAC | $45 | — | $45 | 0.16% |
| KENNETH B COFER3 | 5950 SYMPHONY WOODS ROAD SUITE 214 COLUMBIA, MD 21044 | AFLAC | $40 | — | $40 | 0.14% |
| MATTHEW W EVANS3 | 8370 VETERANS HIGHWAY SUITE 101 MILLERSVILLE, MD 21108 | AFLAC | $34 | — | $34 | 0.12% |
| ARON D TERAN3 | 3812 CARRIAGE HILL DRIVE FREDERICK, MD 21704 | AFLAC | $32 | — | $32 | 0.11% |
| RONALD J LONGHURST3 | 7045 MELTING SHADOWS LANE COLUMBIA, MD 21045 | AFLAC | $25 | — | $25 | 0.09% |
| JEREMY A FELDMAN3 | 11337 NEWPORT BAY DRIVE BERLIN, MD 21811 | AFLAC | $24 | — | $24 | 0.08% |
| CAROLINE D MORNINGSTAR3 | 4281 BUCKSKIN WOOD RIVE ELLICOTT, MD 21042 | AFLAC | $24 | — | $24 | 0.08% |
| SCOTT B LEE3 | 390 CONCORD DRIVE BROOKFIELD, WI 53005 | AFLAC | $22 | — | $22 | 0.08% |
| CHRISTOPHER PARSONS3 | 1925 CUBA LANE HAYES, VA 23072 | AFLAC | $18 | — | $18 | 0.06% |
| GREGORY D HILL3 | 16142 SWALLOWTAIL PLACE MIDLOTHIAN, VA 23113 | AFLAC | $9 | — | $9 | 0.03% |
| KELLY LYNN FELDMAN3 | 11337 NEWPORT BAY DRIVE BERLIN, MD 21811 | AFLAC | $9 | — | $9 | 0.03% |
| DONALD B ORRELL3 | 1581 CHERRY GROVE ROAD N SUFFOLK, VA 23432 | AFLAC | $6 | — | $6 | 0.02% |
| DAVID J MCCLELLAN3 Filed as: DAVID J WAGENHEIM | 582 WOODBINE AVENUE TOWSON, MD 21204 | AFLAC | $3 | — | $3 | 0.01% |
| EDWIN VEGA3 | 8214 LEE AVENUE SEVERN, MD 21144 | AFLAC | $2 | — | $2 | 0.01% |
| JAMES M PITZ3 | 84 MINK DRIVE CATAULA, GA 31804 | AFLAC | $2 | — | $2 | 0.01% |
| BECKER BENEFIT GROUP INC3 | 6080 FALLS ROAD SUITE 201 BALTIMORE, MD 21209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $442 | — | $442 | 14.99% |
| FIRST NATIONAL INSURANCE AGENCY3 | 2400 BROAD STREET TIMONIUM, MD 21093 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $89 | $89 | 3.02% |
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 | 251 | 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) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 173 | $131K |
| Vision | AFLAC | 22 | $29K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 242 | $78K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 242 | $99K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 245 | $80K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 242 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.