| 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. | $89K | $2K | $91K | 5.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 8200 GREENSBORO DR. STE 800 MCLEAN, VA 22102 | DELTA DENTAL OF VIRGINIA | $5K | — | $5K | 5.38% |
| BENJAMIN L GREENSTEIN3 | 308 COMMERCE ST LOUDON, TN 37774 | AFLAC | $645 | — | $645 | 2.99% |
| MELISSA WYMAN3 | 402 SHERMAN AVE FREDERICK, MD 21701 | AFLAC | $273 | $55 | $328 | 1.52% |
| JOSHUA M PINCUS SOKOLOFF3 | 575 S CHARLES ST STE 503 BALTIMORE, MD 21201 | AFLAC | $302 | $21 | $323 | 1.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MMCLENNAN AGENCY LLC | PO BOX 896620 CHARLOTTE, NC 28289 | AFLAC | $280 | — | $280 | 1.30% |
| JENNIFER REGALADO3 | 707 BUNCH AVE GLEN BURNIE, MD 21060 | AFLAC | $151 | $44 | $195 | 0.90% |
| DANIEL V ADAMS3 | 79 POTOMAC AVE SE APT 937 WASHINGTON, DC 20003 | AFLAC | $148 | — | $148 | 0.69% |
| MOIRA C WELLER3 | 7750A KEMP LN FREDERICK, MD 21702 | AFLAC | $135 | — | $135 | 0.63% |
| MATTHEW W EVANS3 | 8370 VETERANS HWY STE 101 MILLERSVILLE, MD 21108 | AFLAC | $125 | — | $125 | 0.58% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $91 | — | $91 | 0.42% |
| DANIEL J LONG3 | 6100 CHEVY CHASE DR STE 102 LAUREL, MD 20707 | AFLAC | $68 | — | $68 | 0.31% |
| MARCIA E GOGGIN3 | 901 LOXFORD TER SILVER SPRING, MD 20901 | AFLAC | $45 | — | $45 | 0.21% |
| LORI A DEAN3 | 575 S CHARLES ST STE 503 BALTIMORE, MD 21201 | AFLAC | $43 | — | $43 | 0.20% |
| VINNIE MAY WHITE3 | 7309 QUETZAL DR BOWIE, MD 20720 | AFLAC | $42 | — | $42 | 0.19% |
| DEIDRA CLARK3 | 444 MAGOTHY BRIDGE RD PASADENA, MD 21122 | AFLAC | $38 | — | $38 | 0.18% |
| EDWARD J DAHLING III3 Filed as: EDWARD DAHLING III | 106 ELINOR AVE BALTIMORE, MD 21236 | AFLAC | $35 | — | $35 | 0.16% |
| JOHN A LAPOLLA III3 | 7704 GRACE AVE PASADENA, MD 21122 | AFLAC | $31 | — | $31 | 0.14% |
| BRIAN E ADAMS3 | 5605 CROMWELL DR BETHESDA, MD 20816 | AFLAC | $30 | — | $30 | 0.14% |
| SHANNON PITTS3 | 4115 COLUMBIA RD STE 5 PMB 198 MARTINEZ, GA 30907 | AFLAC | $26 | — | $26 | 0.12% |
| MELISSA A COHEN3 | 7909 STEVENSON RD PIKESVILLE, MD 21208 | AFLAC | $21 | — | $21 | 0.10% |
| STEPHEN B EVLER3 | 1121 HANZLIK AVE ROSEDALE, MD 21237 | AFLAC | $21 | — | $21 | 0.10% |
| GREER INSURANCE3 | 8370 VETERANS HWY STE 101 MILLERSVILLE, MD 21108 | AFLAC | $21 | — | $21 | 0.10% |
| JEREMY A FELDMAN3 | 11337 NEWPORT BAY DR BERLIN, MD 21811 | AFLAC | $20 | — | $20 | 0.09% |
| BRIAN GEORGE JAEGGI3 Filed as: BRIAN JAEGGI | 2875 NW 28TH ST BOCA RATON, FL 33434 | AFLAC | $14 | — | $14 | 0.06% |
| REBECCA MILNER KING3 Filed as: REBECCA KING | 3402 WOODVALLEY DR PIKESVILLE, MD 21208 | AFLAC | $14 | — | $14 | 0.06% |
| GERALD MEGGETT3 | 12020 SWALLOW FALLS CT SILVER SPRING, MD 20904 | AFLAC | $10 | — | $10 | 0.05% |
| CAROLINE D MORNINGSTAR3 | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $8 | — | $8 | 0.04% |
| LISA M MUSTO3 Filed as: LISA MUSTO | 3424 W COMMUNITY DR JUPITER, FL 33458 | AFLAC | $7 | — | $7 | 0.03% |
| DAVID WAGENHEIM3 | 582 WOODBINE AVE TOWSON, MD 21204 | AFLAC | $2 | — | $2 | 0.01% |
| KELLY LYNN FELDMAN3 Filed as: KELLY FELDMAN | 11337 NEWPORT BAY DR BERLIN, MD 21811 | AFLAC | $2 | — | $2 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 7701 AIRPORT CENTER DRIVE, STE 1800 GREENSBORO, NC 27409 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 8200 GREENSBORO DR STE 800 MCLEAN, VA 22102 | STRYDEN, INC. | $1K | — | $1K | 7.48% |
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 | 252 | 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) | 252 | 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. | 251 | $1.6M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF VIRGINIA | 261 | $119K |
| Vision | STRYDEN, INC. | 261 | $13K |
| Life insurance | TRANSAMERICA LIFE INSURANCE COMPANY | 1 | $14K |
| Short-term disability | AFLAC | 19 | $22K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | 251 | $1.6M |
| Other(2 contracts, 2 carriers) | AFLAC | 19 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.