| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | CAREFIRST BLUECHOICE, INC. | $4K | $62K | $66K | 3.62% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 10.00% |
| ADVANBEN MIDATLANTIC, LLC3 Filed as: ADVANBEN MIDATLANTIC LLC | GSB BLDG , STE 304 1 BELMONT AVENUE BALA CYNWYD, PA 19004 | RESERVE NATIONAL INSURANCE COMPANY | $169 | — | $169 | 0.75% |
| SCHOENFELD INSURANCE ASSOCIATES INC3 | 6225 SMITH AVENUE BALTIMORE, MD 21209 | RESERVE NATIONAL INSURANCE COMPANY | $167 | — | $167 | 0.74% |
| MWE SOLUTIONS MS3 Filed as: THE MWE PARTNERSHIP | 8370 VETERANS HIGHWAY, STE 10 MILLERSVILLE, MD 21108 | RESERVE NATIONAL INSURANCE COMPANY | $141 | — | $141 | 0.62% |
| DAJOMA LLC3 | 8370 VETERANS HIGHWAY, STE 10 MILLERSVILLE, MD 21108 | RESERVE NATIONAL INSURANCE COMPANY | $86 | — | $86 | 0.38% |
| PAUL THAYER3 Filed as: PAUL B THAYER | 6 OVERSHOT CT PHOENIX, MD 21131 | AFLAC | $728 | $17 | $745 | 4.80% |
| JENNA ZAHNER3 Filed as: JENNA ANN ZAHNER | 6 OVERSHOT CT PHOENIX, MD 21131 | AFLAC | $403 | $36 | $439 | 2.83% |
| ERIC M SILVERMAN3 | 1423 MARTIN MEADOWS DR FALLSTON, MD 21047 | AFLAC | $143 | — | $143 | 0.92% |
| RANDY S SCHWARTZ3 | 16 PERHALL CT NOTTINGHAM, MD 21236 | AFLAC | $94 | — | $94 | 0.61% |
| BRYAN FISH3 | 4050 CANDLE LIGHT DR DAYTON, MD 21036 | AFLAC | $66 | — | $66 | 0.42% |
| MATTHEW G BURNSIDE3 | 8510 MCALPINE PARK DR SUITE 208 CHARLOTTE, NC 28211 | AFLAC | $62 | — | $62 | 0.40% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $57 | — | $57 | 0.37% |
| JOHN F MEANS3 | 502 WASHINGTON AVE STE 600 TOWSON, MD 21204 | AFLAC | $23 | — | $23 | 0.15% |
| JEREMY A FELDMAN3 | 11337 NEWPORT BAY DR BERLIN, MD 21811 | AFLAC | $17 | — | $17 | 0.11% |
| KELLY LYNN FELDMAN3 | 11337 NEWPORT BAY DR BERLIN, MD 21811 | AFLAC | $4 | — | $4 | 0.03% |
| DAVID J MCCLELLAN3 Filed as: DAVID J WAGENHEIM | 582 WOODBINE AVE TOWSON, MD 21204 | AFLAC | $3 | — | $3 | 0.02% |
| JESSICA M CAIN3 | 5505 LAURELTON AVE BALTIMORE, MD 21214 | AFLAC | $3 | — | $3 | 0.02% |
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 | 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 |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 123 | $1.8M |
| Dental(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE, INC. | 123 | $1.8M |
| Vision(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE, INC. | 123 | $1.8M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 161 | $98K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 161 | $98K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 161 | $98K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 123 | $1.8M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 161 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.