| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 3975 FAIR RIDGE DRIVE FAIRFAX, MD 22033 | GHMSI / CAREFIRST BLUECHOICE | $80K | $14K | $93K | 4.68% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | $8K | $19K | 10.56% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVE STE 201 RALEIGH, NC 27612 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3 | — | $3 | 0.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $7K | $7K | 5.02% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVENUE SUITE 201 RALEIGH, NC 27612 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 2.89% |
| MICHAEL BENDER3 | 1803 RESEARCH BLVD STE 400 ROCKVILLE, MD 20850 | AFLAC | $7K | $22 | $7K | 16.18% |
| MARK JOHNSTON3 | 934 SWEENEY DR STE 8 HAGERSTOWN, MD 21740 | AFLAC | $609 | — | $609 | 1.39% |
| BENJAMIN KLINGER3 | 5503 SPRUCE TREE AVE BETHESDA, ME 20814 | AFLAC | $347 | — | $347 | 0.79% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE CT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $249 | — | $249 | 0.57% |
| YVONNE CRISPINO KLINGER3 Filed as: YVONNE KLINGER | 152 ROLLINS AVE STE 210 ROCKVILLE, MD 20852 | AFLAC | $225 | — | $225 | 0.51% |
| JEFFREY S FOLK3 Filed as: JEFFREY FOLK | 8472 FRIENDSVILLE RD FRIENDSVILLE, MD 21531 | AFLAC | $160 | — | $160 | 0.36% |
| ROBERT CAVALERI3 | 11350 MOORE DR MANASSAS, VA 20111 | AFLAC | $131 | — | $131 | 0.30% |
| SUSAN S STRICKLAND3 Filed as: SUSAN STRICKLAND | 2194 SUGARLOAF PARKVIEW LN CLARKSBURG, MD 20871 | AFLAC | $115 | — | $115 | 0.26% |
| MEGAN R SILVERMAN3 Filed as: MEGAN SILVERMAN | 1423 MARTIN MEADOWS DR FALLSTON, MD 21047 | AFLAC | $92 | — | $92 | 0.21% |
| ERIC M SILVERMAN3 Filed as: ERIC SILVERMAN | 1423 MARTIN MEADOWS DR FALLSTON, MD 21047 | AFLAC | $64 | — | $64 | 0.15% |
| KIMBERLY L LUSHBAUGH3 Filed as: KIMBERLY LUSHBAUGH | 14 CATAWBA CIRCLE HAGERSTOWN, MD 21742 | AFLAC | $45 | — | $45 | 0.10% |
| DANIEL E ALTMIRE3 Filed as: DANIEL ALTMIRE | 12800 MIDDLEBROOK RD STE 490 GERMANTOWN, MD 20874 | AFLAC | $36 | $4 | $40 | 0.09% |
| ARON D TERAN3 Filed as: ARON TERAN | 3684 HOLBORN PL FREDERICK, MD 21704 | AFLAC | $28 | $4 | $32 | 0.07% |
| JEREMY A FELDMAN3 Filed as: JEREMY FELDMAN | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $28 | — | $28 | 0.06% |
| MATTHEW W EVANS3 Filed as: MATTHEW EVANS | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $27 | — | $27 | 0.06% |
| EDWIN VEGA3 | 134 PINECOVE AVE ODENTON, MD 21113 | AFLAC | $16 | — | $16 | 0.04% |
| ANNE BAHR3 | 5750 BOU AVENUE 1613 N BETHESDA, MD 20852 | AFLAC | $13 | — | $13 | 0.03% |
| CAROLINE D MORNINGSTAR3 Filed as: CAROLINE MORNINGSTAR | 11285 DOVEDALE CT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $12 | — | $12 | 0.03% |
| KELLY LYNN FELDMAN3 Filed as: KELLY FELDMAN | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $8 | — | $8 | 0.02% |
| DAVID WAGENHEIM3 | 582 WOODBINE AVE TOWSON, MD 21204 | AFLAC | $5 | — | $5 | 0.01% |
| MICHAEL C WALKER3 Filed as: MICHAEL WALKER | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $3 | — | $3 | 0.01% |
| JESSICA L PORTER3 Filed as: JESSICA PORTER | PO BOX 527 WILLIAMSPORT, MD 21795 | AFLAC | $2 | — | $2 | 0.00% |
| MICHAEL C WALKER3 Filed as: MICHAEL RISKA | 203 MARKET ST STE 201 HAVRE DE GRACE, MH 21078 | AFLAC | $2 | — | $2 | 0.00% |
| JASON D ELLIS3 Filed as: JASON ELLIS | 203 MARKET STREET STE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $1 | — | $1 | 0.00% |
| ANGELE P RYAN3 Filed as: ANGELE RYAN | 852 SAINT EDMONDS PL ANNAPOLIS, MD 21401 | AFLAC | $1 | — | $1 | 0.00% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVE SUITE 201 RALEIGH, NC 27612 | VISION SERVICE PLAN | $1K | — | $1K | 4.82% |
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 | 200 | 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) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GHMSI / CAREFIRST BLUECHOICE | 270 | $2.0M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 152 | $146K |
| Vision | VISION SERVICE PLAN | 110 | $21K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 201 | $177K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 201 | $177K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 201 | $177K |
| Prescription drug | GHMSI / CAREFIRST BLUECHOICE | 270 | $2.0M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 201 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.