| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 1.66% |
| RCM AND D3 Filed as: RCM & D | 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 1.60% |
| CORNERSTONE FINANCIAL LLP3 | 1 EAST FRANKLIN STREET STE 300 BALTIMORE, MD 21202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 1.59% |
| RCM AND D3 Filed as: RCM & D | 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $14K | 3.15% |
| CORNERSTONE FINANCIAL LLP3 | 1 EAST FRANKLIN STREET STE 300 BALTIMORE, MD 21202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $14K | 3.13% |
| MGFS INSURANCE BROKERAGE INC3 | 161 WORCESTER RD STE 308 FRAMINGHAM, MA 01701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 0.59% |
| STEPHEN J SALAMON3 | PO BOX 4252 TIMONIUM, MD 21094 | AFLAC | $3K | — | $3K | 2.96% |
| AUTUMN STROHMAIER3 | 254 CHAPMAN RD SUITE 203 NEWARK, DE 19702 | AFLAC | $2K | — | $2K | 1.93% |
| WESLEY K JOHNSON II3 | 8 REED CIRCLE RISING SUN, MD 21911 | AFLAC | $1K | $301 | $2K | 1.86% |
| SUSAN L MCCLANE3 | PO BOX 52 HAVRE DE GRACE, MD 21078 | AFLAC | $1K | $239 | $1K | 1.53% |
| JASON ALLAN BARE3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $1K | $108 | $1K | 1.52% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $908 | — | $908 | 1.07% |
| MICHAEL C WALKER3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $449 | $108 | $557 | 0.66% |
| JULIA M SALAMON3 | PO BOX 4252 TIMONIUM, MD 21094 | AFLAC | $291 | — | $291 | 0.34% |
| MATTHEW D DIPASQUALE3 Filed as: MATTHEW DIPASQUALE | 403 S EAST AVE BALTIMORE, MD 21224 | AFLAC | $232 | — | $232 | 0.27% |
| MATTHEW W EVANS3 | 817 MAIDEN CHOICE LANE SUITE 340 CATONSVILLE, MD 21228 | AFLAC | $131 | — | $131 | 0.15% |
| THOMAS E QUIRK3 | 1402 EDMONDSON AVE CATONSVILLE, MD 21228 | AFLAC | $58 | — | $58 | 0.07% |
| CAROLINE D MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTSVILLE, MD 21104 | AFLAC | $47 | — | $47 | 0.06% |
| MARTIN BOSSLE3 Filed as: MARTIN E BOSSLE | 11843 SHERBOURNE DRIVE TIMONIUM, MD 21093 | AFLAC | $40 | — | $40 | 0.05% |
| STEPHEN MEARS II3 Filed as: STEPHEN T MEARS II | 26 OVERBROOK ROAD BALTIMORE, MD 21228 | AFLAC | $37 | — | $37 | 0.04% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $26 | — | $26 | 0.03% |
| ALEXANDER B PAGE III3 | 19001 GRAYSTONE ROAD WHITE HALL, MD 21161 | AFLAC | $16 | — | $16 | 0.02% |
| SBHU LIFE AGENCY, INC.3 | MSSB ANNUITY AND INSURANCE SERVICES 201 PLAZA 2, 7TH FLOOR JERSEY CITY, NJ 07311 | AFLAC | $16 | — | $16 | 0.02% |
| DEBORAH ANN SCOTT-ROBBINS3 | PO BOX 6052 APT 1217 UPPER MARLBORO, MD 20792 | AFLAC | $2 | — | $2 | 0.00% |
| RCM AND D3 Filed as: RCM & D | 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $214 | $11 | $225 | 5.84% |
| CORNERSTONE FINANCIAL LLP3 | 1 EAST FRANKLIN STREET STE 300 BALTIMORE, MD 21202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $214 | $11 | $225 | 5.84% |
| RCM AND D3 Filed as: RCM & D | 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | METROPOLITAN LIFE INSURANCE COMPANY | $84 | $17 | $101 | 11.97% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $12 | — | $12 | 1.42% |
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 | 1,488 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 56 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,557 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 2,743 | $859K |
| Vision | VISION SERVICE PLAN | 1,114 | $71K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,386 | $992K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,386 | $525K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,743 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.