| 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 | $2K | $28K | $30K | 5.12% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES CORPORATION | 215 WASHINGTON AVENUE SUITE 400 TOWSON, MD 21204 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 11.87% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES CORPORATION | 215 WASHINGTON AVENUE SUITE 400 TOWSON, MD 21204 | AFLAC | $801 | — | $801 | 8.15% |
| MATTHEW W EVANS3 | 8370 VETERANS HIGHWAY SUITE 101 MILLERSVILLE, MD 21108 | AFLAC | $360 | $9 | $369 | 3.75% |
| DONALD R RAJALA3 | 1802 GREENBLADE COURT BEL AIR, MD 21015 | AFLAC | $216 | — | $216 | 2.20% |
| GREER INSURANCE3 | 8370 VETERANS HIGHWAY SUITE 101 MILLERSVILLE, MD 21108 | AFLAC | $104 | $9 | $113 | 1.15% |
| JOHN A LECKLITER3 | 2454 BARONSMEDE COURT WINTER GARDEN, FL 34787 | AFLAC | $92 | — | $92 | 0.94% |
| SUSAN S STRICKLAND3 | 2194 SUGARLOAF PARKVIEW LANE CLARKSBURG, MD 20871 | AFLAC | $78 | — | $78 | 0.79% |
| QSMR INC3 | 8370 VETERANS HIGHWAY SUITE 101 MILLERSVILLE, MD 21108 | AFLAC | $67 | — | $67 | 0.68% |
| TINA HUNT3 | 8370 VETERANS HIGHWAY SUITE 101 MILLERSVILLE, MD 21108 | AFLAC | $67 | — | $67 | 0.68% |
| SYDNEY R KEISER3 | 1235 BERANS ROAD OWINGS MILLS, MD 21117 | AFLAC | $31 | $18 | $49 | 0.50% |
| MARK JOHNSTON3 Filed as: MARK A JOHNSTON | 79 STAYMAN DRIVE FALLING WATERS, WV 25419 | AFLAC | $38 | — | $38 | 0.39% |
| CRISTINA MARIA YOUNG3 | 8370 VETERANS HIGHWAY SUITE 101 MILLERSVILLE, MD 21108 | AFLAC | $33 | $5 | $38 | 0.39% |
| WILLIAM FEDO3 Filed as: WILLIAM C FEDO | 8370 VETERANS HIGHWAY SUITE 101 MILLERSVILLE, MD 21108 | AFLAC | $19 | $9 | $28 | 0.28% |
| RICKY E ROBINSON3 | 934 SWEENEY DRIVE SUITE ONE HAGERSTOWN, MD 21740 | AFLAC | $24 | — | $24 | 0.24% |
| KIMBERLY L LUSHBAUGH3 | 14 CATAWBA CIRCLE HAGERSTOWN, MD 21742 | AFLAC | $14 | — | $14 | 0.14% |
| ERIN BURNS3 | 8370 VETERANS HIGHWAY SUITE 101 MILLERSVILLE, MD 21108 | AFLAC | $7 | $6 | $13 | 0.13% |
| MICHAEL C WALKER3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $11 | — | $11 | 0.11% |
| BENJAMIN KLINGER3 | 5503 SPRUCE TREE AVENUE BETHESDA, MD 20814 | AFLAC | $7 | — | $7 | 0.07% |
| EDWARD ANDERSON JR3 | 10003 RIDER COURT HAGERSTOWN, MD 21740 | AFLAC | $5 | — | $5 | 0.05% |
| JASON D ELLIS3 | 1 ELLIS COURT SUITE 210 PERRYVILLE, MD 21903 | AFLAC | $5 | — | $5 | 0.05% |
| MICHAEL EDWARD RISKA3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $5 | — | $5 | 0.05% |
| BRYAN FISH3 | 4050 CANDLE LIGHT DRIVE DAYTON, MD 21036 | AFLAC | $3 | — | $3 | 0.03% |
| ARON D TERAN3 | 3812 CARRIAGE HILL DRIVE FREDERICK, MD 21704 | AFLAC | $1 | — | $1 | 0.01% |
| DAVID NERENBERG3 | 10216 SHINING WILLOW DRIVE 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 | 101 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 191 | $576K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 191 | $576K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 191 | $576K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 99 | $30K |
| Short-term disability | AFLAC | 12 | $10K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 99 | $30K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 99 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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.