| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES CORPORATION | 29 W SUSQUEHANA AVE TOWSON, MD 21205 | CFMI | $25K | $29 | $25K | 3.99% |
| BENEFIT DESIGN GROUP INC3 | 600 WASHINGTON AVE SUITE 104 TOWSON, MD 21204 | CFMI | — | $9K | $9K | 1.49% |
| USI INSURANCE SERVICES LLC3 | 11350 MCCORMICK ROAD EXECUTIVE PLAZA III SUITE 1203 HUNT VALLEY, MD 21031 | CFMI | — | $9K | $9K | 1.45% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES CORPORATION | 29 W SUSQUEHANNA AVE STE 400 WILLIAM J DECKERT TOWSON, MD 21204 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 11.95% |
| DONALD R RAJALA3 | 1802 GREENBLADE CT BEL AIR, MD 21015 | AFLAC | $1K | $15 | $1K | 10.24% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES CORPORATION | 29 W SUSQUEHANNA AVE STE 400 TOWSON, MD 21204 | AFLAC | $543 | — | $543 | 4.81% |
| EDWARD ANDERSON JR3 | 10003 RIDER CT HAGERSTOWN, MD 21740 | AFLAC | $234 | $3 | $237 | 2.10% |
| SUSAN S STRICKLAND3 | 2194 SUGARLOAD PARKVIEW LN CLARKSBURG, MD 20871 | AFLAC | $127 | — | $127 | 1.12% |
| BRYAN FISH3 | 4050 CANDLE LIGHT DR DAYTON, MD 21036 | AFLAC | $127 | — | $127 | 1.12% |
| RICKY E ROBINSON3 | 934 SWEENEY DR STE ONE HAGERSTOWN, MD 21740 | AFLAC | $83 | — | $83 | 0.73% |
| MARK JOHNSTON3 Filed as: MARK A JOHNSTON | 934 SWEENEY DR STE 8 HAGERSTOWN, MD 21740 | AFLAC | $62 | — | $62 | 0.55% |
| KIMBERLY L LUSHBAUGH3 | 14 CATAWBA CIRCLE HAGERSTOWN, MD 21742 | AFLAC | $49 | — | $49 | 0.43% |
| ARON D TERAN3 | 3684 HOLBORN PL FREDERICK, MD 21704 | AFLAC | $20 | $3 | $23 | 0.20% |
| BENJAMIN KLINGER3 | 5503 SPRUCE TREE AVE BETHESDA, MD 20814 | AFLAC | $20 | — | $20 | 0.18% |
| MICHAEL C WALKER3 | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $18 | — | $18 | 0.16% |
| MICHAEL EDWARD RISKA3 | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $10 | — | $10 | 0.09% |
| JASON D ELLIS3 | 203 MARKET STREET STE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $9 | — | $9 | 0.08% |
| ALYSON D ROTHBERG3 | 35 BITTLE RD LITTLESTOWN, PA 17340 | AFLAC | $8 | — | $8 | 0.07% |
| FRANCES SHAFFER3 Filed as: FRANCES M SHAFFER | 14025 TOWER RD SMITHSBURG, MD 21783 | AFLAC | $5 | — | $5 | 0.04% |
| KENNETH B COFER3 | 5950 SYMPHONY WOOD RD STE 214 COLUMBIA, MD 21044 | AFLAC | $4 | — | $4 | 0.04% |
| DAVID NERENBERG3 | 61 CALABASH CT ROCKVILLE, MD 20850 | AFLAC | $2 | — | $2 | 0.02% |
| MICHAEL BENDER3 | 1803 RESEARCH BLVD STE 400 ROCKVILLE, MD 20850 | AFLAC | $2 | — | $2 | 0.02% |
| GREGORY D HILL3 | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $1 | — | $1 | 0.01% |
| ANGELE P RYAN3 | 852 SAINT EDMONDS PL ANNAPOLIS, MD 21401 | AFLAC | $1 | — | $1 | 0.01% |
| BENEFIT DESIGN GROUP INC3 Filed as: BENEFIT DESIGN GROUP | 600 WASHINGTON AVENUE SUITE 104 TOWSON, MD 21204 | ADVANTICA REINSURANCE COMPANY | $953 | — | $953 | 11.11% |
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 | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CFMI | 71 | $626K |
| Dental | CFMI | 71 | $626K |
| Vision | ADVANTICA REINSURANCE COMPANY | 95 | $9K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 109 | $27K |
| Short-term disability | AFLAC | 19 | $11K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 109 | $27K |
| Prescription drug | CFMI | 71 | $626K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 109 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.