| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS CORP OF AMERICA3 Filed as: EMPLOYEE BENEFITS OF AMERICA | 1410 SPRING HILL ROAD SUITE 150 MCLEAN, VA 22102 | AETNA LIFE INSURANCE CO. | $29K | — | $29K | 2.50% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 274099693 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $2K | $15K | 10.22% |
| MICHAEL BENDER3 | 7803 ORCHARD GATE COURT BETHESDA, MD 20817 | AFLAC | $3K | $94 | $3K | 9.39% |
| BB&T INSURANCE SERVICES, INC.3 | PO BOX 700 WAYNESBORO, VA 22980 | AFLAC | $374 | — | $374 | 1.33% |
| YVONNE CRISPINO3 | 152 ROLLINS AVENUE ROCKVILLE, MD 20817 | AFLAC | $260 | $19 | $279 | 0.99% |
| BENJAMIN KLINGER3 | 5503 SPRUCE TREE AVENUE BETHESDA, MD 20814 | AFLAC | $240 | $19 | $259 | 0.92% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $155 | — | $155 | 0.55% |
| BOYD GLOVER JR3 Filed as: BOYD M. GLOVER, JR. | 69 MOORCLIFFE LANE VERONA, VA 24482 | AFLAC | $99 | — | $99 | 0.35% |
| DANIEL E ALTMIRE3 Filed as: DANIEL E. ALTMIRE | 128000 MIDDLEBROOK ROAD SUITE 490 GERMANTOWN, MD 20852 | AFLAC | $81 | — | $81 | 0.29% |
| ARON D TERAN3 | 3684 HOLBORN PL. FREDERICK, MD 21704 | AFLAC | $69 | — | $69 | 0.24% |
| MEGAN R SILVERMAN3 Filed as: MEGAN R. SILVERMAN | 1423 MARTIN MEADOWS DR. FALLSTON, MD 21047 | AFLAC | $62 | — | $62 | 0.22% |
| CHRISTOPHER PARSONS3 | 4370 SADDLE COURT EARLYSVILLE, VA 22936 | AFLAC | $50 | — | $50 | 0.18% |
| EDWIN VEGA3 | 134 PINECOVE AVENUE ODENTON, MD 21113 | AFLAC | $30 | $19 | $49 | 0.17% |
| ALFRED E DEVINE3 | 324 DEVINE WAY SILER CITY, NC 27344 | AFLAC | $48 | — | $48 | 0.17% |
| ERIC M SILVERMAN3 Filed as: ERIC M. SILVERMAN | 2107 A LAUREL BUSH ROAD SUITE 102 BEL AIR, MD 21047 | AFLAC | $40 | — | $40 | 0.14% |
| KENNY H. POWELL3 | 507 QUAKER LAKE DRIVE ARCHDALE, NC 27263 | AFLAC | $12 | — | $12 | 0.04% |
| STEPHEN W CROTTS SR3 Filed as: STEPHEN W. CROTTS, SR. | 514 E 3RD STREET UNIT C SILER CITY, NC 27344 | AFLAC | $7 | — | $7 | 0.02% |
| RONALD E KIRKLAND3 Filed as: RONALD E. KIRKLAND | 4 SOTHEBY PLACE SE GURLEY, AL 35748 | AFLAC | $6 | — | $6 | 0.02% |
| ARON D TERAN3 Filed as: ARON D. TERAN | 70 THOMAS JOHNSON DRIVE SUITE 102 FREDERICK, MD 21702 | AFLAC | $6 | — | $6 | 0.02% |
| JAMES R HILL JR3 Filed as: JAMES R. HILL, JR | 7021 MARSEILLES COURT SUMMERFIELD, NC 27358 | AFLAC | $1 | — | $1 | 0.00% |
| BB&T INSURANCE SERVICES, INC.3 | 3975 FAIR RIDGE DRIVE SUITE 110-N FAIRFAX, VA 22033 | DOMINION DENTAL SERVICES, INC. | $452 | — | $452 | 7.41% |
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 | 172 | 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) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 334 | $1.1M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 334 | $151K |
| Vision | AETNA LIFE INSURANCE CO. | 334 | $1.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 334 | $145K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 334 | $145K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 334 | $145K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 334 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 334 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.