| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TAMMY E JONES3 | 722 CYPRIAN COURT GAMBRILLS, MD 21054 | AFLAC | $11K | $598 | $12K | 11.29% |
| DREW SKIBITSKY3 | 1344 ASHTON RD STE 200 HANOVER, MD 21076 | AFLAC | $3K | $119 | $3K | 3.23% |
| MATTHEW W EVANS3 | 1344 ASHTON RD HANOVER, MD 21076 | AFLAC | $3K | $119 | $3K | 3.09% |
| CAROLINE D MORNINGSTAR3 | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $601 | — | $601 | 0.59% |
| SHANNON PITTS3 | 4115 COLUMBIA RD STE 5PMB198 MARTINEZ, GA 30907 | AFLAC | $265 | — | $265 | 0.26% |
| DAVID MORNINGSTAR3 Filed as: DAVID MORINGSTAR | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $246 | — | $246 | 0.24% |
| SCOTT CLAUSE3 | 308 CHALET DR MILLERSVILLE, MD 21108 | AFLAC | $232 | — | $232 | 0.23% |
| CONSTANTINE HADJIS3 | 1311 MOONSHADOW RD BEL AIR, MD 21015 | AFLAC | $166 | — | $166 | 0.16% |
| JEREMY A FELDMAN3 Filed as: JEREMY FELDMAN | 12391 HIDDEN BAY DR BERLIN, MD 21811 | AFLAC | $61 | — | $61 | 0.06% |
| MICHELLE LECKLITER3 | 10 LINDA LN SEVERNA PARK, MD 21146 | AFLAC | $55 | — | $55 | 0.05% |
| JOHN A LECKLITER3 Filed as: JOHN LECKLITER | 10 LINDA LN SEVERNA PARK, MD 21146 | AFLAC | $44 | — | $44 | 0.04% |
| CHRIS C COMPTON JR3 | 5208 CASTLESTONE DR BALTIMORE, MD 21237 | AFLAC | $43 | — | $43 | 0.04% |
| KELLY LYNN FELDMAN3 Filed as: KELLY FELDMAN | 12391 HIDDEN BAY DR BERLIN, MD 21811 | AFLAC | $16 | — | $16 | 0.02% |
| DAVID WAGENHEIM3 | 582 WOODBINE AVE TOWSON, MD 21204 | AFLAC | $14 | — | $14 | 0.01% |
| LOIS VEGA3 | 134 PINECOVE AVE ODENTON, MD 21113 | AFLAC | $13 | — | $13 | 0.01% |
| CARLOS A ALMEIDA3 | 419 HARRINGTON ROAD BEL AIR, MD 21015 | AFLAC | $11 | — | $11 | 0.01% |
| HELEN LIPCHOCK3 | 3204 GRAY MARSH CT IJAMSVILLE, MD 21754 | AFLAC | $11 | — | $11 | 0.01% |
| BYRAN FISH3 | 4050 CANDLE LIGHT DRIVE DAYTON, MD 21036 | AFLAC | $10 | — | $10 | 0.01% |
| BRIAN G JAEGGI3 | 8591 DYNASTY DR BOCA RATON, FL 33433 | AFLAC | $9 | — | $9 | 0.01% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES | PO BOX 632886 CINCINNATI, OH 45263 | AFLAC | $9 | — | $9 | 0.01% |
| DEVIN LIZZI3 | 11298 WOODHAVEN DR IJAMSVILLE, MD 21754 | AFLAC | $9 | — | $9 | 0.01% |
| HILARY RADOLEC3 | 165 CROSSBOW LN GAITHERBURG, MD 20878 | AFLAC | $8 | — | $8 | 0.01% |
| EDWIN VEGA3 | 134 PINECOVE AVE ODENTON, MD 21113 | AFLAC | $7 | — | $7 | 0.01% |
| MICHAEL LIPCHOCK3 | 3204 GARY MARSH CT IJAMSVILLE, MD 21754 | AFLAC | $7 | — | $7 | 0.01% |
| RANDY S SCHWARTZ3 | 16 PERHALL COURT NOTTINGHAM, MD 21236 | AFLAC | $6 | — | $6 | 0.01% |
| DANIEL E ALTMIRE3 Filed as: DANIEL ALTMIRE | 25212 CONRAD CT DAMASCUS, MD 20872 | AFLAC | $5 | — | $5 | 0.00% |
| CRISTY PAYNE3 | 2458 VALLEY VIEW WAY ELLICOTT CITY, MD 21043 | AFLAC | $4 | — | $4 | 0.00% |
| ERIC M SILVERMAN3 Filed as: ERIC SILVERMAN | 1423 MARTIN MEADOWS DR FALLSTON, MD 21047 | AFLAC | $2 | — | $2 | 0.00% |
| SCHOENFELD INSURANCE ASSOCIATES INC3 | 6225 SMITH AVENUE SUITE B200 BALTIMORE, MD 21209 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 13.75% |
| TAMMY E JONES3 | 722 CYPRIAN COURT GAMBRILLS, MD 21054 | AFLAC | $53 | — | $53 | 3.11% |
| DREW SKIBITSKY3 | 1344 ASHTON RD STE 200 HANOVER, MD 21076 | AFLAC | $30 | — | $30 | 1.76% |
| MATTHEW W EVANS3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $26 | — | $26 | 1.53% |
| CAROLINE D MORNINGSTAR3 | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $5 | — | $5 | 0.29% |
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 | 239 | 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) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AFLAC | 89 | $104K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 239 | $69K |
| Short-term disability(2 contracts) | AFLAC | 89 | $104K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 239 | $69K |
| Other(3 contracts, 2 carriers) | AFLAC | 239 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.