| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES INC | 215 WASHINGTON AVENUE SUITE 400 TOWSON, MD 21204 | UNITEDHEALTHCARE INSURANCE COMPANY | $260 | $24K | $25K | 4.97% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES CORPORATION | 29 WEST SUSQUEHANNA AVENUE SUITE 400 TOWSON, MD 21204 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 6.21% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES CORPORATION | 215 WASHINGTON AVENUE SUITE 400 TOWSON, MD 21204 | AFLAC | $748 | — | $748 | 6.38% |
| DONALD R RAJALA3 | 1802 GREENBLADE COURT BEL AIR, MD 21015 | AFLAC | $411 | $23 | $434 | 3.70% |
| JOHN A LECKLITER3 | 10 LINDA LANE SEVERNA PARK, ME 21146 | AFLAC | $347 | $63 | $410 | 3.50% |
| QSMR INC3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $111 | — | $111 | 0.95% |
| SUSAN S STRICKLAND3 | 2194 SUGARLOAF PARKVIEW LANE CLARKSBURG, MD 20871 | AFLAC | $100 | — | $100 | 0.85% |
| MATTHEW W EVANS3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $51 | $11 | $62 | 0.53% |
| MARK JOHNSTON3 Filed as: MARK A JOHNSTON | 124 UNDERKE TERRACE HEDGESVILLE, WV 25427 | AFLAC | $49 | — | $49 | 0.42% |
| EDWARD ANDERSON JR3 | 10003 RIDER COURT HAGERSTOWN, MD 21740 | AFLAC | $37 | $4 | $41 | 0.35% |
| RICKY E ROBINSON3 | 934 SWEENEY DRIVE SUITE ONE HAGERSTOWN, MD 21740 | AFLAC | $33 | — | $33 | 0.28% |
| BRYAN FISH3 | 4050 CANDLE LIGHT DRIVE DAYTON, MD 21036 | AFLAC | $29 | $4 | $33 | 0.28% |
| KIMBERLY L LUSHBAUGH3 | 14 CATAWBA CIRCLE HAGERSTOWN, MD 21742 | AFLAC | $18 | — | $18 | 0.15% |
| BRADLEY BAWEK3 | 4809 POWDER HOUSE DRIVE ROCKVILLE, MD 20853 | AFLAC | $15 | — | $15 | 0.13% |
| MICHAEL C WALKER3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $14 | — | $14 | 0.12% |
| DREW SKIBITSKY3 Filed as: DREW MADDOCK | 1344 ASHTON ROAD HANOVER, MD 21076 | AFLAC | $11 | — | $11 | 0.09% |
| BENJAMIN KLINGER3 | 5503 SPRUCE TREE AVENUE BETHESDA, MD 20814 | AFLAC | $9 | — | $9 | 0.08% |
| MICHAEL EDWARD RISKA3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $6 | — | $6 | 0.05% |
| JASON D ELLIS3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $6 | — | $6 | 0.05% |
| ARON D TERAN3 | 3812 CARRIAGE HILL DRIVE FREDERICK, MD 21704 | AFLAC | $5 | — | $5 | 0.04% |
| JOSHUA M PINCUS SOKOLOFF3 | 6100 CHEVY CHASE DRIVE SUITE 105 LAUREL, MD 20707 | AFLAC | $4 | — | $4 | 0.03% |
| DREW SKIBITSKY3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $3 | — | $3 | 0.03% |
| KAREN COOPER3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $1 | — | $1 | 0.01% |
| 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 | 66 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 73 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 124 | $496K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 124 | $496K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 124 | $496K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 87 | $20K |
| Short-term disability | AFLAC | 11 | $12K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 87 | $20K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 87 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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.