| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | CAREFIRST BLUECHOICE, INC. | $4K | $89K | $93K | 5.72% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $9K | $2K | $11K | 11.75% |
| PAUL THAYER3 Filed as: PAUL B THAYER | 6 OVERSHOT CT PHOENIX, MD 21131 | AFLAC | $713 | — | $713 | 5.58% |
| JENNA ZAHNER3 Filed as: JENNA ANN ZAHNER | 6 OVERSHOT CT PHOENIX, MD 21131 | AFLAC | $531 | — | $531 | 4.15% |
| ERIC M SILVERMAN3 | 1423 MARTIN MEADOWS DR FALLSTON, MD 21047 | AFLAC | $121 | — | $121 | 0.95% |
| BRYAN FISH3 | 4050 CANDLE LIGHT DR DAYTON, MD 21036 | AFLAC | $90 | — | $90 | 0.70% |
| RANDY S SCHWARTZ3 | 16 PERHALL CT NOTTINGHAM, MD 21236 | AFLAC | $80 | — | $80 | 0.63% |
| MATTHEW G BURNSIDE3 | 8510 MCALPINE PARK DR SUITE 208 CHARLOTTE, NC 28211 | AFLAC | $52 | — | $52 | 0.41% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $48 | — | $48 | 0.38% |
| JOHN F MEANS3 | 502 WASHINGTON AVE STE 600 TOWSON, MD 21204 | AFLAC | $19 | — | $19 | 0.15% |
| JEREMY A FELDMAN3 | 11337 NEWPORT BAY DR BERLIN, MD 21811 | AFLAC | $14 | — | $14 | 0.11% |
| KELLY LYNN FELDMAN3 | 11337 NEWPORT BAY DR BERLIN, MD 21811 | AFLAC | $3 | — | $3 | 0.02% |
| DAVID J MCCLELLAN3 Filed as: DAVID J WAGENHEIM | 582 WOODBINE AVE TOWSON, MD 21204 | AFLAC | $2 | — | $2 | 0.02% |
| JESSICA M CAIN3 | 5505 LAURELTON AVE BALTIMORE, MD 21214 | AFLAC | $2 | — | $2 | 0.02% |
| 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 | $231 | — | $231 | 2.39% |
| ADVANBEN MIDATLANTIC, LLC3 Filed as: ADVANBEN MIDATLANTIC LLC | GBS BUILDING, ONE BELMONT AVE SUITE 304 BALA CYNWYD, PA 19004 | KEMPER BENEFITS | $173 | — | $173 | 1.79% |
| DAJOMA LLC3 Filed as: DAJOMA | 8370 VETERANS HIGHWAY SUITE 101 MILLERSVILLE, MD 21108 | KEMPER BENEFITS | $166 | — | $166 | 1.71% |
| MATTHEW W EVANS3 Filed as: MATTHEW EVANS | 8370 VETERANS HIGHWAY SUITE 101 MILLERSVILLE, MD 21108 | KEMPER BENEFITS | $122 | — | $122 | 1.26% |
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 | 155 | 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) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 121 | $1.6M |
| Dental(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE, INC. | 121 | $1.6M |
| Vision(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE, INC. | 121 | $1.6M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 155 | $90K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 155 | $90K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 155 | $90K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 121 | $1.6M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 155 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.