| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHOENFELD INSURANCE ASSOCIATES INC3 | 6225 SMITH AVENUE BALTIMORE, MD 21209 | CAREFIRST BLUECHOICE, INC | $301 | $35K | $36K | 4.01% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INS GROUP, INC. | 1 KELLY WAY SPARKS, MH 21152 | CAREFIRST BLUECHOICE, INC | — | $15K | $15K | 1.73% |
| SCHOENFELD INSURANCE ASSOCIATES INC3 Filed as: SCHOENFELD INS ASSOC INC | 6225 SMITH AVENUE BALTIMORE, MD 212093644 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 10.00% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $24 | $24 | 0.04% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INS GRP INC | 1 KELLY WAY SPARKS, MD 21152 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 6.12% |
| SCHOENFELD INSURANCE ASSOCIATES INC3 Filed as: SCHOENFELD INSURANCE ASSOCIATES | 6225 SMITH AVENUE SUITE B150 BALTIMORE, MD 21209 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $934 | — | $934 | 5.00% |
| FINANCIAL BALANCE GROUP LLC3 | 1355 PICARD DRIVE SUITE S380 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11 | — | $11 | 0.06% |
| PAUL THAYER3 Filed as: PAUL B THAYER | 6 OVERSHOT CT PHOENIX, MD 21131 | AFLAC | $768 | $4 | $772 | 5.24% |
| JENNA ZAHNER3 Filed as: JENNA ANN ZAHNER | 6 OVERSHOT CT PHOENIX, MD 21131 | AFLAC | $456 | $18 | $474 | 3.22% |
| ERIC M SILVERMAN3 | 1423 MARTIN MEADOWS DR FALLSTON, MD 21047 | AFLAC | $158 | — | $158 | 1.07% |
| RANDY S SCHWARTZ3 | 16 PERHALL CT NOTTINGHAM, MD 21236 | AFLAC | $88 | — | $88 | 0.60% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $69 | — | $69 | 0.47% |
| BRYAN FISH3 | 4050 CANDLE LIGHT DR DAYTON, MD 21036 | AFLAC | $60 | $4 | $64 | 0.43% |
| MATTHEW G BURNSIDE3 Filed as: MATTHEW BURNSIDE | 13309 CANTERBURY CASTLE DR CHARLOTTE, NC 28273 | AFLAC | $58 | — | $58 | 0.39% |
| JOHN F MEANS3 | 502 WASHINGTON AVE STE 600 TOWSON, MD 21204 | AFLAC | $21 | — | $21 | 0.14% |
| JEREMY A FELDMAN3 | 12391 HIDDEN BAY DR BERLIN, MD 21811 | AFLAC | $19 | — | $19 | 0.13% |
| KELLY LYNN FELDMAN3 | 12391 HIDDEN 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% |
| HILARY RADOLEC3 | 165 CROSSBOW LN APT 713 GAITHERSBURG, MD 20878 | AFLAC | $3 | — | $3 | 0.02% |
| EDWIN VEGA3 | 134 PINECOVE AVE ODENTON, MD 21113 | AFLAC | $1 | — | $1 | 0.01% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INSURANCE GRP IN | 1 KELLY WAY SPARKS, MD 21152 | UNITED CONCORDIA DENTAL PLANS, INC. | $2K | — | $2K | 15.04% |
| DAJOMA LLC3 Filed as: DAJOMA | 1344 ASHTON ROAD STE 200 HANOVER, MD 20176 | KEMPER BENEFITS | $2K | — | $2K | 16.43% |
| SCHOENFELD INSURANCE ASSOCIATES INC3 Filed as: SCHOENFELD INSURANCE ASSOCIATES, IN | 6225 SMITH AVENUE BALTIMORE, MD 21209 | KEMPER BENEFITS | $2K | — | $2K | 14.64% |
| ADVANBEN MIDATLANTIC, LLC3 Filed as: ADVANBEN MIDATLANTIC LLC | GSB BUILDING ONE BELMONT AVE STE 304 BALA CYNWYD, PA 19004 | KEMPER BENEFITS | $626 | — | $626 | 5.69% |
| MATTHEW W EVANS3 Filed as: MATTHEW EVANS | 1345 ASHTON ROAD STE 200 HANOVER, PA 20176 | KEMPER BENEFITS | $11 | — | $11 | 0.10% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC | 274 | $891K |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 80 | $33K |
| Vision | CAREFIRST BLUECHOICE, INC | 274 | $891K |
| Life insurance(2 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 534 | $78K |
| Short-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 534 | $67K |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 534 | $67K |
| Prescription drug | CAREFIRST BLUECHOICE, INC | 274 | $891K |
| Other(3 contracts, 3 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 534 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 534 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.