| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES INC | 29 WEST SUSQUEHANNA AVENUE SUITE 400 TOWSON, MD 21204 | UNITEDHEALTHCARE INSURANCE COMPANY | $27K | — | $27K | 4.93% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES CORPORATION | 29 WEST SUSQUEHANNA AVENUE SUITE 400 TOWSON, MD 21204 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 12.06% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES CORPORATION | 29 WEST SUSQUEHANNA AVENUE SUITE 400 TOWSON, MD 21204 | AFLAC | $2K | — | $2K | 13.89% |
| DONALD R RAJALA3 | 1802 GREENBLADE COURT BEL AIR, MD 21015 | AFLAC | $873 | $123 | $996 | 5.87% |
| JOHN A LECKLITER3 | 10 LINDA LANE SEVERNA PARK, MD 21146 | AFLAC | $731 | — | $731 | 4.31% |
| KAREN COOPER3 | 1344 ASHTON ROAD SUITE 200 HANNOVER, ME 21076 | AFLAC | $353 | — | $353 | 2.08% |
| QSMR INC3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $337 | — | $337 | 1.99% |
| EDWARD ANDERSON JR3 | 10003 RIDER COURT HAGERSTOWN, MD 21740 | AFLAC | $182 | $25 | $207 | 1.22% |
| MATTHEW W EVANS3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $131 | — | $131 | 0.77% |
| BRYAN FISH3 | 4050 CANDLE LIGHT DRIVE DAYTON, MD 21036 | AFLAC | $101 | $25 | $126 | 0.74% |
| SUSAN S STRICKLAND3 | 2194 SUGARLOAF PARKVIEW LANE CLARKSBURG, MD 20871 | AFLAC | $110 | — | $110 | 0.65% |
| JOSHUA M PINCUS SOKOLOFF3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $87 | — | $87 | 0.51% |
| MARK JOHNSTON3 Filed as: MARK A JOHNSTON | 124 UNDERKE TERRACE HEDGESVILLE, WV 25427 | AFLAC | $54 | — | $54 | 0.32% |
| RICKEY E ROBINSON3 | 934 SWEENEY DRIVE SUITE ONE HAGERSTOWN, MD 21740 | AFLAC | $48 | — | $48 | 0.28% |
| ARON D TERAN3 | 3812 CARRIAGE HILL DRIVE FREDERICK, MD 21704 | AFLAC | $17 | — | $17 | 0.10% |
| KIMBERLY L LUSHBAUGH3 | 14 CATAWBA CIRCLE HAGERSTOWN, MD 21742 | AFLAC | $16 | — | $16 | 0.09% |
| MICHAEL C WALKER3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $14 | — | $14 | 0.08% |
| BENJAMIN KLINGER3 | 5503 SPRUCE TREE AVENUE BETHESDA, MD 20814 | AFLAC | $8 | — | $8 | 0.05% |
| MICHAEL EDWARD RISKA3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $7 | — | $7 | 0.04% |
| JASON D ELLIS3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $6 | — | $6 | 0.04% |
| DANIEL J LONG3 | 6100 CHEVY CHASE DRIVE SUITE 102 LAUREL, MD 20707 | AFLAC | $5 | — | $5 | 0.03% |
| DAVID NERENBERG3 | 61 CALABASH COURT ROCKVILLE, MD 20850 | AFLAC | $1 | — | $1 | 0.01% |
| MICHAEL BENDER3 | 1803 RESEARCH BOULEVARD SUITE 400 ROCKVILLE, MD 20850 | AFLAC | $1 | — | $1 | 0.01% |
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 | 103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 130 | $539K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 130 | $539K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 130 | $539K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 92 | $23K |
| Short-term disability | AFLAC | 25 | $17K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 92 | $23K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 92 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.
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.