| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $1K | $59K | $61K | 4.31% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $14K | $14K | 1.01% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 274099693 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $1K | $10K | 7.61% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 211529484 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $3K | $9K | 6.64% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVE. RALEIGH, NC 276124954 | METROPOLITAN LIFE INSURANCE COMPANY | — | $38 | $38 | 0.03% |
| MICHAEL BENDER3 | 1803 RESEARCH BLVD STE 400 ROCKVILLE, MD 20850 | AFLAC | $3K | $53 | $3K | 12.64% |
| BB&T INSURANCE SERVICES, INC.3 | PO BOX 700 WAYNESBORO, VA 22980 | AFLAC | $275 | — | $275 | 1.15% |
| YVONNE CRISPINO KLINGER3 Filed as: YVONNE KLINGER | 152 ROLLINS AVENUE SUITE 210 ROCKVILLE, MD 20852 | AFLAC | $178 | — | $178 | 0.74% |
| BENJAMIN KLINGER3 | 5503 SPRUCE TREE AVENUE BETHESDA, MD 20814 | AFLAC | $169 | — | $169 | 0.71% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $107 | — | $107 | 0.45% |
| ANASTASIA BARANOV3 | 3746 COLLEGE AVE ELLICOTT CITY, MD 21043 | AFLAC | $104 | — | $104 | 0.43% |
| MARK JOHNSTON3 | 124 UNDERKE TERRACE SUITE 8 HEDGESVILLE, WV 25427 | AFLAC | $78 | $11 | $89 | 0.37% |
| BOYD GLOVER JR3 Filed as: BOYD M. GLOVER, JR. | 69 MOORCLIFFE LANE VERONA, VA 24482 | AFLAC | $77 | — | $77 | 0.32% |
| ALFRED E DEVINE3 | 324 DEVINE WAY SILER CITY, NC 27344 | AFLAC | $48 | — | $48 | 0.20% |
| CHRISTOPHER PARSONS3 | 193 BEACH ROAD POQUOSON, VA 23662 | AFLAC | $39 | — | $39 | 0.16% |
| MEGAN R SILVERMAN3 Filed as: MEGAN R. SILVERMAN | 1423 MARTIN MEADOWS DR. FALLSTON, MD 21047 | AFLAC | $37 | — | $37 | 0.15% |
| ERIC M SILVERMAN3 Filed as: ERIC M. SILVERMAN | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | AFLAC | $24 | — | $24 | 0.10% |
| DANIEL E ALTMIRE3 Filed as: DANIEL E. ALTMIRE | 12800 MIDDLEBROOK ROAD SUITE 490 GERMANTOWN, MD 20874 | AFLAC | $23 | $0 | $23 | 0.10% |
| EDWIN VEGA3 | 134 PINECOVE AVENUE ODENTON, MD 21113 | AFLAC | $21 | — | $21 | 0.09% |
| JEREMY A FELDMAN3 Filed as: JEREMY FELDMAN | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $21 | — | $21 | 0.09% |
| KELLY LYNN FELDMAN3 Filed as: KELLY FELDMAN | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $19 | — | $19 | 0.08% |
| ARON D TERAN3 | 3684 HOLBORN PL. FREDERICK, MD 21704 | AFLAC | $16 | — | $16 | 0.07% |
| KIMBERLY L LUSHBAUGH3 Filed as: KIMBERLY LUSHBAUGH | 14 CATAWBA CIRCLE HAGERSTOWN, MD 21742 | AFLAC | $3 | $11 | $14 | 0.06% |
| KENNY H. POWELL3 | 507 QUAKER LAKE DRIVE ARCHDALE, NC 27263 | AFLAC | $12 | — | $12 | 0.05% |
| STEPHEN W CROTTS SR3 Filed as: STEPHEN CROTTS, SR. | 514 E 3RD STREET UNIT C SILER CITY, NC 27344 | AFLAC | $7 | — | $7 | 0.03% |
| RONALD E KIRKLAND3 Filed as: RONALD KIRKLAND | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $5 | — | $5 | 0.02% |
| MICHAEL MARTIN3 | 762 CHAPEL RIDGE DRIVE PITTSBORO, NC 27212 | AFLAC | $4 | — | $4 | 0.02% |
| SABRINA ANN PARSONS3 Filed as: SABRINA PARSONS | PO BOX 1264 POQUOSON, VA 23662 | AFLAC | $3 | — | $3 | 0.01% |
| JESSICA L PORTER3 Filed as: JESSICA PORTER | PO BOX 527 WILLIAMSPORT, MD 21795 | AFLAC | $3 | — | $3 | 0.01% |
| ANDREW D WALLER3 Filed as: ANDREW WALLER | 11800 LINDEN CHAPEL RD CLARKSVILLE, MD 21029 | AFLAC | $2 | — | $2 | 0.01% |
| BRIAN T OCONNOR3 Filed as: BRIAN STAMPS | 10400 EATON PL STE 400 FAIRFAX, VA 22030 | AFLAC | $2 | — | $2 | 0.01% |
| JAMES R HILL JR3 Filed as: JAMES HILL, JR | P. O. BOX 13272 GREENSBORO, NC 27415 | AFLAC | $1 | — | $1 | 0.00% |
| DAVID WAGENHEIM3 | 582 WOODBINE AVE TOWSON, MD 21204 | AFLAC | $1 | — | $1 | 0.00% |
| GEORGE WILLIAMS3 | 208 GRAND PARK BLVD CHARLESTON, SC 29482 | AFLAC | $1 | — | $1 | 0.00% |
| ALVIN LILLEY3 | 8066 OLD REIDSVILLE RD BROWNS SUMMIT, NC 27614 | AFLAC | $1 | — | $1 | 0.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | DOMINION NATIONAL | $380 | — | $380 | 54.60% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES | 1 KELLY WAY SPARKS, MD 21152 | DOMINION NATIONAL | $316 | — | $316 | 45.40% |
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 | 205 | 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) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 139 | $1.4M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 284 | $136K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 139 | $1.4M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 284 | $135K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 284 | $135K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 284 | $135K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 284 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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.