| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHOENFELD INSURANCE ASSOCIATES INC3 | 6225 SMITH AVENUE BALTIMORE, MD 21209 | CAREFIRST BLUECHOICE, INC. | $1K | $35K | $36K | 3.23% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | CAREFIRST BLUECHOICE, INC. | $1K | $19K | $20K | 1.76% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.00% |
| SCHOENFELD INSURANCE ASSOCIATES INC3 Filed as: SCHOENFELD INS ASSOC INC | 6225 SMITH AVENUE BALTIMORE, MD 21209 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.00% |
| IMG3 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $27 | $27 | 0.03% |
| PAUL THAYER3 Filed as: PAUL B THAYER | 6 OVERSHOT CT PHOENIX, MD 21131 | AFLAC | $753 | — | $753 | 4.93% |
| JENNA ZAHNER3 Filed as: JENNA ANN ZAHNER | 6 OVERSHOT CT PHOENIX, MD 21131 | AFLAC | $450 | — | $450 | 2.95% |
| ERIC M SILVERMAN3 | 1423 MARTIN MEADOWS DR FALLSTON, MD 21047 | AFLAC | $164 | — | $164 | 1.07% |
| RANDY S SCHWARTZ3 | 16 PERHALL CT NOTTINGHAM, MD 21236 | AFLAC | $94 | — | $94 | 0.62% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $70 | — | $70 | 0.46% |
| MATTHEW G BURNSIDE3 | 8510 MCALPINE PARK DR SUITE 208 CHARLOTTE, NC 28211 | AFLAC | $62 | — | $62 | 0.41% |
| BRYAN FISH3 | 4050 CANDLE LIGHT DR DAYTON, MD 21036 | AFLAC | $54 | — | $54 | 0.35% |
| 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 | $20 | — | $20 | 0.13% |
| 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% |
| HILARY RADOLEC3 | 165 CROSSBOW LN GAITHERSBURG, MD 20878 | AFLAC | $2 | — | $2 | 0.01% |
| EDWIN VEGA3 | 8214 LEE AVE SEVERN, MD 21144 | AFLAC | $1 | — | $1 | 0.01% |
| SCHOENFELD INSURANCE ASSOCIATES INC3 Filed as: SCHOENFELD INSURANCE ASSOCIATES | 6225 SMITH AVENUE BALTIMORE, MD 21209 | KEMPER BENEFITS | $619 | — | $619 | 6.01% |
| DAJOMA LLC3 Filed as: DAJOMA | 8370 VETERANS HIGHWAY SUITE 101 MILLERSVILLE, MD 21108 | KEMPER BENEFITS | $406 | — | $406 | 3.94% |
| MATTHEW W EVANS3 Filed as: MATTHEW EVANS | 8370 VETERANS HIGHWAY SUITE 101 MILLERSVILLE, MD 21108 | KEMPER BENEFITS | $315 | — | $315 | 3.06% |
| ADVANBEN MIDATLANTIC, LLC3 Filed as: ADVANBEN MIDATLANTIC LLC | GBS BUILDING, ONE BELMONT AVE SUITE 304 BALA CYNWYD, PA 19004 | KEMPER BENEFITS | $307 | — | $307 | 2.98% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 114 | $1.1M |
| Dental(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE, INC. | 114 | $1.1M |
| Vision(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE, INC. | 114 | $1.1M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 140 | $81K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 140 | $81K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 140 | $81K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 114 | $1.1M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 140 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.