| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TAMMY E JONES3 | 722 CYPRIAN COURT GAMBRILLS, MD 21054 | AFLAC | $9K | $444 | $10K | 13.98% |
| MATTHEW W EVANS3 | 817 MAIDEN CHOICE LANE CATONSVILLE, MD 21228 | AFLAC | $3K | $88 | $3K | 4.68% |
| CAROLINE D MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $2K | $88 | $2K | 2.74% |
| DAVID MORNINGSTAR3 Filed as: DAVID MORINGSTAR | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $557 | $88 | $645 | 0.94% |
| CONSTANTINE HADJIS3 | 8721 LACKAWANNA AVENUE PARKVILLE, MD 21234 | AFLAC | $235 | — | $235 | 0.34% |
| CHRIS C COMPTON JR3 | 9447 BELLHALL DR BALTIMORE, MD 21236 | AFLAC | $70 | — | $70 | 0.10% |
| MICHAEL J BASS3 | 6321 N BARCELONA COURT UNIT 911 TUCSON, AZ 85704 | AFLAC | $16 | — | $16 | 0.02% |
| CARLOS A ALMEIDA3 | 419 HARRINGTON ROAD BEL AIR, MD 21015 | AFLAC | $13 | — | $13 | 0.02% |
| BYRAN FISH3 | 4050 CANDLE LIGHT DRIVE DAYTON, MD 21036 | AFLAC | $10 | — | $10 | 0.01% |
| BRIAN G JAEGGI3 | 5112 TOPANGA CANYON BLVD WOODLAND HILLS, CA 91364 | AFLAC | $9 | — | $9 | 0.01% |
| RANDY S SCHWARTZ3 | 16 PERHALL COURT NOTTINGHAM, MD 21236 | AFLAC | $7 | — | $7 | 0.01% |
| JOHN A LECKLITER3 | 1915 TOWNE CENTRE BLVD UNIT 314 ANNAPOLIS, MD 21401 | AFLAC | $7 | — | $7 | 0.01% |
| JOHN A LECKLITER3 | 1915 TOWNE CENTRE BLVD UNIT 302 ANNAPOLIS, MD 21401 | AFLAC | $6 | — | $6 | 0.01% |
| JASON ALLAN BARE3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $5 | — | $5 | 0.01% |
| AUTUMN STROHMAIER3 | 254 CHAPMAN ROAD SUITE 203 NEWARK, DE 19702 | AFLAC | $4 | — | $4 | 0.01% |
| ERIC M SILVERMAN3 | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | AFLAC | $3 | — | $3 | 0.00% |
| DREW SKIBITSKY3 | 1000 FELL STREET APT 627 BALTIMORE, MD 21231 | AFLAC | $2 | — | $2 | 0.00% |
| SCHOENFELD INSURANCE ASSOCIATES INC3 | 6225 SMITH AVENUE SUITE B200 BALTIMORE, MD 21209 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 12.84% |
| TAMMY E JONES3 | 722 CYPRIAN COURT GAMBRILLS, MD 21054 | AFLAC | $63 | — | $63 | 2.91% |
| MATTHEW W EVANS3 | 817 MAIDEN CHOICE LANE SUITE 340 CATONSVILLE, MD 21228 | AFLAC | $45 | — | $45 | 2.08% |
| CAROLINE D MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $35 | — | $35 | 1.62% |
| BRYAN FISH3 | 4050 CANDLE LIGHT DRIVE DAYTON, MD 21036 | AFLAC | $19 | — | $19 | 0.88% |
| DAVID MORNINGSTAR3 | 12285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $18 | — | $18 | 0.83% |
| BRIAN G JAEGGI3 | 5112 TOPANGA CANYON BLVD WOODLAND HILLS, CA 91364 | AFLAC | $16 | — | $16 | 0.74% |
| CONSTANTINE HADJIS3 | 8721 LACKAWANNA AVENUE PARKVILLE, MD 21234 | AFLAC | $16 | — | $16 | 0.74% |
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 | 238 | 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) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AFLAC | 86 | $71K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 238 | $38K |
| Short-term disability(2 contracts) | AFLAC | 86 | $71K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 238 | $38K |
| Other(3 contracts, 2 carriers) | AFLAC | 238 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.