| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 8200 GREENSBORO DR SUITE 1000 MCLEAN, VA 22102 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $59K | $14K | $73K | 6.11% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 8200 GREENSBORO DR. FL 8 MCLEAN, VA 22102 | DELTA DENTAL OF VIRGINIA | $5K | — | $5K | 5.32% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7391 HODGSON MEMORIAL DRIVE SUITE 100 SAVANNAH, GA 31406 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $719 | $5K | 11.82% |
| BENJAMIN L GREENSTEIN3 | 308 COMMERCE ST LOUDON, TN 37774 | AFLAC | $465 | — | $465 | 2.53% |
| JOSHUA M PINCUS SOKOLOFF3 | 575 S CHARLES ST STE 503 BALTIMORE, MD 21201 | AFLAC | $256 | — | $256 | 1.39% |
| BENJAMIN L GREENSTEIN3 Filed as: BENJAMIN GREENSTEIN | 308 COMMERCE ST LOUDON, TN 37774 | AFLAC | $181 | — | $181 | 0.98% |
| DANIEL V ADAMS3 | 79 POTOMAC AVE SE APT 937 WASHINGTON, DC 20003 | AFLAC | $148 | — | $148 | 0.80% |
| MOIRA C WELLER3 | 7750A KEMP LN FREDERICK, MD 21702 | AFLAC | $135 | — | $135 | 0.73% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 700 WAYNESBORO, VA 22980 | AFLAC | $125 | — | $125 | 0.68% |
| MELISSA WYMAN3 | 402 SHERMAN AVE FREDERICK, MD 21701 | AFLAC | $125 | — | $125 | 0.68% |
| MATTHEW W EVANS3 | 8370 VETERANS HWY STE 101 MILLERSVILLE, MD 21108 | AFLAC | $100 | — | $100 | 0.54% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $90 | — | $90 | 0.49% |
| DANIEL J LONG3 | 6100 CHEVY CHASE DR STE 102 LAUREL, MD 20707 | AFLAC | $68 | — | $68 | 0.37% |
| JENNIFER REGALADO3 | 707 BUNCH AVE GLEN BURNIE, MD 21060 | AFLAC | $68 | — | $68 | 0.37% |
| LORI A DEAN3 | 575 S CHARLES ST STE 503 BALTIMORE, MD 21201 | AFLAC | $43 | — | $43 | 0.23% |
| VINNIE MAY WHITE3 | 7309 QUETZAL DR BOWIE, MD 20720 | AFLAC | $39 | — | $39 | 0.21% |
| DEIDRA CLARK3 | 444 MAGOTHY BRIDGE RD PASADENA, MD 21122 | AFLAC | $38 | — | $38 | 0.21% |
| JOHN A LAPOLLA III3 | 7704 GRACE AVE PASADENA, MD 21122 | AFLAC | $31 | — | $31 | 0.17% |
| MELISSA A COHEN3 | 7909 STEVENSON RD PIKESVILLE, MD 21208 | AFLAC | $21 | — | $21 | 0.11% |
| STEPHEN B EVLER3 | 1121 HANZLIK AVE ROSEDALE, MD 21237 | AFLAC | $21 | — | $21 | 0.11% |
| JEREMY A FELDMAN3 | 11337 NEWPORT BAY DR BERLIN, MD 21811 | AFLAC | $19 | — | $19 | 0.10% |
| MARCIA E GOGGIN3 | 901 LOXFORD TER SILVER SPRING, MD 20901 | AFLAC | $19 | — | $19 | 0.10% |
| BRIAN E ADAMS3 | 4429 MACARTHUR BLVD NW APT B WASHINGTON, DC 20007 | AFLAC | $15 | — | $15 | 0.08% |
| BRIAN E ADAMS3 | 5605 CROMWELL DR BETHESDA, MD 20816 | AFLAC | $15 | — | $15 | 0.08% |
| BRIAN GEORGE JAEGGI3 | 2875 NW 28TH ST BOCA RATON, FL 33434 | AFLAC | $14 | — | $14 | 0.08% |
| REBECCA MILNER KING3 | 3402 WOODVALLEY DR PIKESVILLE, MD 21208 | AFLAC | $14 | — | $14 | 0.08% |
| EDWARD J DAHLING III3 | 106 ELINOR AVE BALTIMORE, MD 21236 | AFLAC | $13 | — | $13 | 0.07% |
| GERALD MEGGETT3 | 12020 SWALLOW FALLS CT SILVER SPRING, MD 20904 | AFLAC | $10 | — | $10 | 0.05% |
| GREER INSURANCE3 | 8370 VETERANS HWY STE 101 MILLERSVILLE, MD 21108 | AFLAC | $10 | — | $10 | 0.05% |
| SHANNON PITTS3 | 4115 COLUMBIA RD STE 5 PMB 198 MARTINEZ, GA 30907 | AFLAC | $9 | — | $9 | 0.05% |
| MATTHEW W EVANS3 | 8370 VETERANS HWY STE 101 MILLERSVILLE, MD 21108 | AFLAC | $6 | — | $6 | 0.03% |
| CAROLINE D MORNINGSTAR3 | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $3 | — | $3 | 0.02% |
| LISA M MUSTO3 Filed as: LISA MARIE MUSTO | 3424 W COMMUNITY DR JUPITER, FL 33458 | AFLAC | $2 | — | $2 | 0.01% |
| DAVID J MCCLELLAN3 Filed as: DAVID J WAGENHEIM | 582 WOODBINE AVE TOWSON, MD 21204 | AFLAC | $2 | — | $2 | 0.01% |
| KELLY LYNN FELDMAN3 | 11337 NEWPORT BAY DR BERLIN, MD 21811 | AFLAC | $2 | — | $2 | 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 | 263 | 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) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | 233 | $1.2M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF VIRGINIA | 243 | $116K |
| Vision | DELTA DENTAL OF VIRGINIA | 243 | $98K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $39K |
| Short-term disability | AFLAC | 19 | $18K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | 233 | $1.2M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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.