| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOWARD D GOLDMAN3 Filed as: HOWARD D GOLDMAN III | 10 CROSSROADS DRIVE SUITE 106 OWINGS MILLS, MD 21117 | UNION SECURITY INSURANCE COMMPANY | $21K | — | $21K | 11.96% |
| HOWARD D GOLDMAN3 Filed as: HOWARD D GOLDMAN III | 10 CROSSROADS DRIVE #106 OWINGS MILLS, MD 21117 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $11K | — | $11K | 10.00% |
| JEAN CLAUDE FRESNEL JR3 | 700 12TH STREET NW SUITE 700 WASHINGTON, DC 20005 | AFLAC | $1K | $70 | $1K | — |
| MICHELE COMISIAK3 | 1529 HARFORD SQUARE DRIVE EDGEWOOD, MD 21040 | AFLAC | $901 | $25 | $926 | — |
| REBECCA MILNER KING3 | 3402 WOODVALLEY DRIVE PIKESVILLE, MD 21208 | AFLAC | $404 | — | $404 | — |
| JEAN CLAUDE FRESNEL JR3 Filed as: JEAN C FRESNEL JR | 700 12TH STREET NW SUITE 700 WASHINGTON, DC 20005 | AFLAC | $385 | $4 | $389 | — |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $330 | $35 | $365 | — |
| DARRELL N DRENNAN JR3 | 26841 DIVER DUCK DRIVE LONG NECK, DE 19966 | AFLAC | $311 | $53 | $364 | — |
| SABERNIA FRESNEL3 | 31 CHESTNUT HILL ROAD FOREST HILL, MD 21050 | AFLAC | $326 | $12 | $338 | — |
| BARBARA J. BUSHMAN3 Filed as: BARBARA J BUSHMAN | 1921 BLAIR COURT BEL AIR, MD 21015 | AFLAC | $271 | $42 | $313 | — |
| SHEM J BOSTICK3 Filed as: SHEM BOSTICK | 1325 MOUNT HERMON ROAD SUITE 13B SALISBURY, MD 21804 | AFLAC | $165 | $23 | $188 | — |
| ADAM H MICHAELS3 Filed as: ADAM H MICHAELS & ASSOCIATES LTD | 12121 WILSHIRE BOULEVARD SUITE 1000 LOS ANGELES, IL 90025 | AFLAC | $133 | — | $133 | — |
| KENNETH B COFER3 | 5950 SYMPHONY WOODS ROAD SUITE 214 COLUMBIA, MD 21044 | AFLAC | $98 | — | $98 | — |
| MELISSA A COHEN3 | 7909 STEVENSON ROAD PIKESVILLE, MD 21208 | AFLAC | $94 | — | $94 | — |
| GREGORY E KING3 | 3402 WOODVALLEY DRIVE PIKESVILLE, MD 21208 | AFLAC | $89 | — | $89 | — |
| STEPHANIE CARROLL3 | 24 ROGER VALLEY COURT PARKVILLE, MD 21234 | AFLAC | $75 | — | $75 | — |
| PETER J HOWE3 | 1344 LIMIT AVENUE BALTIMORE, MD 21239 | AFLAC | $73 | — | $73 | — |
| BRYAN FISH3 | 4050 CANDLE LIGHT DRIVE DAYTON, ME 21036 | AFLAC | $44 | — | $44 | — |
| RYAN BENEFITS INC3 Filed as: RYAN RENTSCHLER | 205 CIVIC AVENUE SALISBURY, MD 21804 | AFLAC | $42 | — | $42 | — |
| HAMIDA M TRAINOR3 | 2608 MEADOW ROAD WEST PALM BEACH, FL 33406 | AFLAC | $41 | — | $41 | — |
| DIANE VOGEL3 Filed as: DIANE E VOGEL | 2043 E JOPPA ROAD #327 BALTIMORE, MD 21234 | AFLAC | $35 | — | $35 | — |
| NANCY MB FELDMAN3 | 134 MIDDESSA CROSSING DOVER, DE 19904 | AFLAC | $33 | — | $33 | — |
| DAVID J MCCLELLAN3 Filed as: DAVID J WAGENHEIM | 582 WOODBINE AVENUE TOWSON, MD 21204 | AFLAC | $30 | — | $30 | — |
| JOSHUA BUZZARD3 | 1375 GATEWAY BOULEVARD BOYNTON BEACH, FL 33426 | AFLAC | $23 | — | $23 | — |
| HAROLD L STAFFORD3 | 15655 77TH TRAIL NORTH PALM BEACH GARDENS, FL 33418 | AFLAC | $20 | — | $20 | — |
| JAMES W STORY3 | 16595 STEELE ROAD HENDERSON, MD 21640 | AFLAC | $18 | — | $18 | — |
| EDWARD SIMMONS3 | 5101 SW 60TH STREET ROAD 901 OCALA, FL 34474 | AFLAC | $15 | — | $15 | — |
| JOSEPH M BRZECZEK3 | 1012 W STATE COLLEGE ROAD SUITE 203 DOVER, DE 19904 | AFLAC | $9 | — | $9 | — |
| CAROLINE D MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTSVILLE, MD 21104 | AFLAC | $9 | — | $9 | — |
| TIMOTHY J BADDER3 | 6345 NORTH WEST 120TH DRIVE CORAL SPRINGS, FL 33076 | AFLAC | $8 | — | $8 | — |
| NOAH L STEINBERG3 | 9970 NW 24TH STREET CORAL SPRINGS, FL 33065 | AFLAC | $5 | — | $5 | — |
| WILLIAM P PRESTON3 | 617 BARNES AVENUE WESTMINSTER, MD 21157 | AFLAC | $1 | — | $1 | — |
| MICHAEL C WALKER3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $1 | — | $1 | — |
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 | 858 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 866 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,138 | $109K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,138 | $109K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMMPANY | 803 | $174K |
| Short-term disability | AFLAC | 43 | $0 |
| Long-term disability | UNION SECURITY INSURANCE COMMPANY | 803 | $174K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMMPANY | 803 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,138 | — |
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.