| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES INC | 215 WASHINGTON AVE STE 400 TOWSON, MD 21204 | UNITEDHEALTHCARE INSURANCE COMPANY | $32K | — | $32K | 5.45% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES CORPORATION | 29 W SUSQUEHANNA AVE STE 400 TOWSON, MD 21204 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 12.35% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES CORPORATION | 215 WASHINGTON AVE STE 400 TOWSON, MD 21204 | AFLAC | $2K | — | $2K | 9.93% |
| JOHN A LECKLITER3 | 10 LINDA LN SEVERNA PARK, MD 21146 | AFLAC | $850 | $200 | $1K | 5.17% |
| DONALD R RAJALA3 | 1802 GREENBLADE CT BEL AIR, MD 21015 | AFLAC | $722 | $103 | $825 | 4.07% |
| QSMR INC3 | 1344 ASHTON RD STE 200 HANOVER, MD 21076 | AFLAC | $305 | — | $305 | 1.50% |
| MATTHEW W EVANS3 | 1344 ASHTON RD STE 200 HANOVER, MD 21076 | AFLAC | $130 | $48 | $178 | 0.88% |
| KAREN COOPER3 | 1344 ASHTON RD STE 200 HANOVER, MD 21076 | AFLAC | $82 | $74 | $156 | 0.77% |
| EDWARD ANDERSON JR3 | 10003 RIDER CT HAGERSTOWN, MD 21740 | AFLAC | $130 | $21 | $151 | 0.74% |
| SUSAN S STRICKLAND3 | 2194 SUGARLOAF PARKVIEW LN CLARKSBURG, MD 20871 | AFLAC | $117 | — | $117 | 0.58% |
| BRYAN FISH3 | 4050 CANDLE LIGHT DR DAYTON, MD 21036 | AFLAC | $70 | $21 | $91 | 0.45% |
| MARK JOHNSTON3 Filed as: MARK A JOHNSTON | 124 UNDERKE TER HEDGESVILLE, WV 25427 | AFLAC | $57 | — | $57 | 0.28% |
| RICKY E ROBINSON3 | 934 SWEENEY DR STE ONE HAGERSTOWN, MD 21740 | AFLAC | $49 | — | $49 | 0.24% |
| DREW SKIBITSKY3 Filed as: DREW MADDOCK | 1344 ASHTON RD HANOVER, MD 21076 | AFLAC | $35 | — | $35 | 0.17% |
| JOSHUA M PINCUS SOKOLOFF3 | 1344 ASHTON RD STE 200 HANOVER, MD 21076 | AFLAC | $17 | $15 | $32 | 0.16% |
| CARA WEBSTER3 | 1000 FELL ST APT 636 BALTIMORE, MD 21231 | AFLAC | $23 | — | $23 | 0.11% |
| KIMBERLY L LUSHBAUGH3 | 14 CATAWBA CIR HAGERSTOWN, MD 21742 | AFLAC | $18 | — | $18 | 0.09% |
| DREW SKIBITSKY3 | 1000 FELL ST APT 627 BALTIMORE, MD 21231 | AFLAC | $17 | — | $17 | 0.08% |
| ARON D TERAN3 | 3812 CARRIAGE HILL DR FREDERICK, MD 21704 | AFLAC | $17 | — | $17 | 0.08% |
| MICHAEL C WALKER3 | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $15 | — | $15 | 0.07% |
| BENJAMIN KLINGER3 | 5503 SPRUCE TREE AVE BETHESDA, MD 20814 | AFLAC | $9 | — | $9 | 0.04% |
| MICHAEL EDWARD RISKA3 | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $7 | — | $7 | 0.03% |
| JASON D ELLIS3 | 203 MARKET ST STE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $7 | — | $7 | 0.03% |
| JOSHUA M PINCUS SOKOLOFF3 | 610 CHEVY CHASE DR STE 105 LAUREL, MD 20707 | AFLAC | $6 | — | $6 | 0.03% |
| LOTOIA SIMPSON3 | 1344 ASHTON RD STE 200 HANOVER, MD 21076 | AFLAC | $4 | — | $4 | 0.02% |
| DAVID NERENBERG3 | 61 CALABASH CT ROCKVILLE, MD 20850 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL BENDER3 | 1803 RESEARCH BLVD STE 400 ROCKVILLE, MD 20850 | AFLAC | $1 | — | $1 | 0.00% |
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 | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | 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) | UNITEDHEALTHCARE INSURANCE COMPANY | 117 | $586K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 117 | $586K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 117 | $586K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 96 | $21K |
| Short-term disability | AFLAC | 22 | $20K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 96 | $21K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 96 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.