| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $1K | $67K | $68K | 4.05% |
| 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 | — | $33K | $33K | 1.99% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 211529484 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $4K | $10K | 14.75% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 274099693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $34 | $34 | 0.05% |
| MICHAEL BENDER3 | 1803 RESEARCH BLVD STE 400 ROCKVILLE, MD 20850 | AFLAC | $1K | — | $1K | 14.96% |
| ANASTASIA BARANOV3 | 1905 CARTER MILL WAY BROOKEVILLE, MD 20833 | AFLAC | $75 | — | $75 | 1.05% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 700 WAYNESBORO, VA 22980 | AFLAC | $70 | — | $70 | 0.98% |
| YVONNE CRISPINO KLINGER3 | 152 ROLLINS AVENUE SUITE 210 ROCKVILLE, MD 20852 | AFLAC | $48 | — | $48 | 0.67% |
| BENJAMIN KLINGER3 | 5503 SPRUCE TREE AVENUE BETHESDA, MD 20814 | AFLAC | $48 | — | $48 | 0.67% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DR. ELLICOTT CITY, MD 21042 | AFLAC | $30 | — | $30 | 0.42% |
| BOYD GLOVER JR3 Filed as: BOYD M. GLOVER, JR. | 69 MOORCLIFFE LANE VERONA, VA 24482 | AFLAC | $21 | — | $21 | 0.29% |
| ALFRED E DEVINE3 | 324 DEVINE WAY SILER CITY, NC 27344 | AFLAC | $20 | — | $20 | 0.28% |
| MEGAN R SILVERMAN3 Filed as: MEGAN R. SILVERMAN | 1423 MARTIN MEADOWS DR. FALLSTON, MD 21047 | AFLAC | $13 | — | $13 | 0.18% |
| CHRISTOPHER PARSONS3 | 193 BEACH ROAD POQUOSON, VA 23662 | AFLAC | $11 | — | $11 | 0.15% |
| ERIC M SILVERMAN3 Filed as: ERIC M. SILVERMAN | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | AFLAC | $8 | — | $8 | 0.11% |
| EDWIN VEGA3 | 134 PINECOVE AVENUE ODENTON, MD 21113 | AFLAC | $7 | — | $7 | 0.10% |
| JEREMY A FELDMAN3 Filed as: JEREMY A. FELDMAN | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $6 | — | $6 | 0.08% |
| KELLY LYNN FELDMAN3 | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $5 | — | $5 | 0.07% |
| KENNY H. POWELL3 | 507 QUAKER LAKE DRIVE ARCHDALE, NC 27263 | AFLAC | $5 | — | $5 | 0.07% |
| STEPHEN W CROTTS SR3 Filed as: STEPHEN W. CROTTS, SR. | 514 E 3RD STREET UNIT C SILER CITY, NC 27344 | AFLAC | $3 | — | $3 | 0.04% |
| ARON D TERAN3 | 3812 CARRIAGE HILL DRIVE FREDERICK, MD 21704 | AFLAC | $2 | — | $2 | 0.03% |
| VICTORIA SHAFER3 | 2713 LINKS COURT ELLICOTT CITY, MD 21042 | AFLAC | $2 | — | $2 | 0.03% |
| DANIEL E ALTMIRE3 Filed as: DANIEL E. ALTMIRE | 12800 MIDDLEBROOK ROAD SUITE 490 GERMANTOWN, MD 20874 | AFLAC | $1 | — | $1 | 0.01% |
| RONALD E KIRKLAND3 Filed as: RONALD E. KIRKLAND | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $1 | — | $1 | 0.01% |
| MICHAEL R MARTIN3 Filed as: MICHAEL R. MARTIN | 762 CHAPEL RIDGE DRIVE PITTSBORO, NC 27312 | AFLAC | $1 | — | $1 | 0.01% |
| JESSICA L PORTER3 Filed as: JESSICA L. PORTER | 23058 MEADOW MIST ROAD CLARKSBURG, MD 20871 | AFLAC | $1 | — | $1 | 0.01% |
| SABRINA ANN PARSONS3 Filed as: SABRINA PARSONS | 193 BEACH ROAD POQUOSON, VA 23662 | AFLAC | $1 | — | $1 | 0.01% |
| ANDREW D WALLER3 Filed as: ANDREW D. WALLER | 11800 LINDEN CHAPEL RD CLARKSVILLE, MD 21029 | AFLAC | $1 | — | $1 | 0.01% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES | 1 KELLY WAY SPARKS, MD 21152 | DOMINION NATIONAL | $254 | — | $254 | 10.02% |
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 | 243 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 139 | $1.7M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 317 | $68K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 139 | $1.7M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 317 | $66K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 317 | $66K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 317 | $66K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 317 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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.