| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHOENFELD INSURANCE ASSOCIATES INC3 | 6225 SMITH AVENUE SUITE B200 BALTIMORE, MD 21209 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 12.81% |
| TAMMY E JONES3 | 722 CYPRIAN COURT GAMBRILLS, MD 21054 | AFLAC | $11K | $461 | $12K | 11.27% |
| MATTHEW W EVANS3 | 1344 ASHTON RD HANOVER, MD 21076 | AFLAC | $4K | $137 | $4K | 4.11% |
| DREW SKIBITSKY3 | 1000 FELL ST APT 627 BALTIMORE, MD 21231 | AFLAC | $4K | $137 | $4K | 4.02% |
| SCOTT CLAUSE3 | 308 CHALET DR MILLERSVILLE, MD 21108 | AFLAC | $3K | $5 | $3K | 3.10% |
| SHANNON PITTS3 | 4115 COLUMBIA RD STE 5 PMB198 MARTINEZ, GA 30907 | AFLAC | $2K | — | $2K | 2.23% |
| BRADY SEABOLT3 | 1344 ASHTON RD SUITE 200 HANOVER, MD 21076 | AFLAC | $836 | — | $836 | 0.82% |
| CAROLINE D MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $750 | — | $750 | 0.73% |
| MICHELLE LECKLITER3 | 10 LINDA LN SEVERNA PARK, MD 21146 | AFLAC | $446 | — | $446 | 0.44% |
| JOHN A LECKLITER3 Filed as: JOHN LECKLITER | 10 LINDA LN SEVERNA PARK, MD 21146 | AFLAC | $288 | — | $288 | 0.28% |
| KATHERINE COOK3 | 1344 ASHTON RD STE 200 HANOVER, MD 21076 | AFLAC | $285 | — | $285 | 0.28% |
| DAVID MORNINGSTAR3 Filed as: DAVID MORINGSTAR | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $274 | — | $274 | 0.27% |
| CONSTANTINE HADJIS3 | 8721 LACKAWANNA AVENUE PARKVILLE, MD 21234 | AFLAC | $192 | — | $192 | 0.19% |
| JEREMY A FELDMAN3 Filed as: JEREMY FELDMAN | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $70 | — | $70 | 0.07% |
| CHRIS C COMPTON JR3 | 5208 CASTLESTONE DR BALTIMORE, MD 21237 | AFLAC | $49 | — | $49 | 0.05% |
| MICHAEL J BASS3 | 6321 N BARCELONA COURT UNIT 911 TUCSON, AZ 85704 | AFLAC | $39 | — | $39 | 0.04% |
| KELLY LYNN FELDMAN3 Filed as: KELLY FELDMAN | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $20 | — | $20 | 0.02% |
| HILARY RADOLEC3 | 4801 FAIRMONT AVE APT 713 BETHESDA, MD 20814 | AFLAC | $16 | — | $16 | 0.02% |
| DAVID WAGENHEIM3 | 582 WOODBINE AVE TOWSON, MD 21204 | AFLAC | $16 | — | $16 | 0.02% |
| CARLOS A ALMEIDA3 | 419 HARRINGTON ROAD BEL AIR, MD 21015 | AFLAC | $13 | — | $13 | 0.01% |
| JASON D ELLIS3 Filed as: JASON BARE | 203 MARKET ST STE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $12 | — | $12 | 0.01% |
| AUTUMN STROHMAIER3 | 16 COLORA SCHOOL RD COLORA, MD 21917 | AFLAC | $11 | — | $11 | 0.01% |
| BYRAN FISH3 | 4050 CANDLE LIGHT DRIVE DAYTON, MD 21036 | AFLAC | $10 | — | $10 | 0.01% |
| BRIAN G JAEGGI3 | 15607 W LILLI WAY VAN NUYS, CA 91406 | AFLAC | $9 | — | $9 | 0.01% |
| RANDY S SCHWARTZ3 | 16 PERHALL COURT NOTTINGHAM, MD 21236 | AFLAC | $7 | — | $7 | 0.01% |
| EDWIN VEGA3 | 134 PINECOVE AVE ODENTON, MD 21113 | AFLAC | $4 | — | $4 | 0.00% |
| ERIC M SILVERMAN3 Filed as: ERIC SILVERMAN | 1423 MARTIN MEADOWS DR FALLSTON, MD 21047 | AFLAC | $3 | — | $3 | 0.00% |
| MICHAEL C WALKER3 Filed as: MICHAEL WALKER | 203 MARKET ST STE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $1 | — | $1 | 0.00% |
| JASON D ELLIS3 Filed as: JASON ELLIS | 203 MARKET ST STE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL C WALKER3 Filed as: MICHAEL RISKA | 203 MARKET ST SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $1 | — | $1 | 0.00% |
| TAMMY E JONES3 | 722 CYPRIAN COURT GAMBRILLS, MD 21054 | AFLAC | $61 | $23 | $84 | 4.64% |
| DREW SKIBITSKY3 | 1000 FELL ST APT 627 BALTIMORE, MD 21231 | AFLAC | $34 | $9 | $43 | 2.37% |
| MATTHEW W EVANS3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $28 | $9 | $37 | 2.04% |
| CAROLINE D MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $5 | — | $5 | 0.28% |
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 | 261 | 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) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AFLAC | 103 | $104K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 261 | $106K |
| Short-term disability(2 contracts) | AFLAC | 103 | $104K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 261 | $106K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 261 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.