| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 5130 PARKWAY PLAZA BLVD CHARLOTTE, NC 28217 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | $73K | $75K | 3.85% |
| 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 | — | $36K | $36K | 1.88% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $3K | $3K | 0.13% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INSURANCE | 1 KELLY WAY SPARKS, MD 21152 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $2K | $6K | 15.03% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INSURANCE | 1 KELLY WAY SPARKS, MD 21152 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $1K | $4K | 15.00% |
| MICHAEL BENDER3 | 1803 RESEARCH BLVD STE 400 ROCKVILLE, MD 20850 | AFLAC | $4K | $146 | $4K | 17.43% |
| ANASTASIA BARANOV3 | 1905 CARTER MILL WAY BROOKEVILLE, MD 20833 | AFLAC | $297 | $29 | $326 | 1.37% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 700 WAYNESBORO, VA 22980 | AFLAC | $170 | — | $170 | 0.71% |
| BENJAMIN KLINGER3 | 5503 SPRUCE TREE AVENUE BETHESDA, MD 20814 | AFLAC | $124 | — | $124 | 0.52% |
| YVONNE CRISPINO KLINGER3 | 5503 SPRUCE TREE AVE. SUITE 500 BETHESDA, MD 20814 | AFLAC | $107 | — | $107 | 0.45% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DR. ELLICOTT CITY, MD 21042 | AFLAC | $78 | — | $78 | 0.33% |
| BOYD GLOVER JR3 Filed as: BOYD M. GLOVER, JR. | 69 MOORCLIFFE LANE VERONA, VA 24482 | AFLAC | $51 | — | $51 | 0.21% |
| ALFRED E DEVINE3 | 324 DEVINE WAY SILER CITY, NC 27344 | AFLAC | $48 | — | $48 | 0.20% |
| MEGAN R SILVERMAN3 Filed as: MEGAN R. SILVERMAN | 1423 MARTIN MEADOWS DR. FALLSTON, MD 21047 | AFLAC | $27 | — | $27 | 0.11% |
| CHRISTOPHER PARSONS3 | 1925 CUBA LANE HAYES, VA 23072 | AFLAC | $25 | — | $25 | 0.10% |
| EDWIN VEGA3 | 134 PINECOVE AVENUE ODENTON, MD 21113 | AFLAC | $20 | — | $20 | 0.08% |
| VICTORIA SHAFER3 | 303 SUNRISE COURT BERLIN, MD 21811 | AFLAC | $20 | — | $20 | 0.08% |
| ERIC M SILVERMAN3 Filed as: ERIC M. SILVERMAN | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | AFLAC | $18 | — | $18 | 0.08% |
| YVONNE CRISPINO KLINGER3 | 152 ROLLINS AVE. STE 210 ROCKVILLE, MD 20852 | AFLAC | $18 | — | $18 | 0.08% |
| JEREMY A FELDMAN3 Filed as: JEREMY A. FELDMAN | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $15 | — | $15 | 0.06% |
| KELLY LYNN FELDMAN3 | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $13 | — | $13 | 0.05% |
| KENNY H. POWELL3 | 507 QUAKER LAKE DRIVE ARCHDALE, NC 27263 | AFLAC | $12 | — | $12 | 0.05% |
| STEPHEN W CROTTS SR3 Filed as: STEPHEN CROTTS SR | 1022 CLIFTWOOD DRIVE SILER CITY, NC 27344 | AFLAC | $4 | — | $4 | 0.02% |
| STEPHEN W CROTTS SR3 Filed as: STEPHEN W. CROTTS, SR. | 514 E 3RD STREET UNIT C SILER CITY, NC 27344 | AFLAC | $3 | — | $3 | 0.01% |
| ARON D TERAN3 | 3812 CARRIAGE HILL DRIVE FREDERICK, MD 21704 | AFLAC | $3 | — | $3 | 0.01% |
| JESSICA L PORTER3 Filed as: JESSICA L. PORTER | 23058 MEADOW MIST ROAD CLARKSBURG, MD 20871 | AFLAC | $3 | — | $3 | 0.01% |
| MICHAEL R MARTIN3 Filed as: MICHAEL R. MARTIN | 762 CHAPEL RIDGE DRIVE PITTSBORO, NC 27312 | AFLAC | $2 | — | $2 | 0.01% |
| ANDREW D WALLER3 Filed as: ANDREW D. WALLER | 11800 LINDEN CHAPEL RD CLARKSVILLE, MD 21029 | AFLAC | $2 | — | $2 | 0.01% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $2 | — | $2 | 0.01% |
| DAVID SCHENKEL JR3 | 2141 INDUSTRIAL PKWY STE 201 SILVER SPRING, MD 20904 | AFLAC | $1 | — | $1 | 0.00% |
| SABRINA ANN PARSONS3 | 1925 CUBA LANE HAYES, VA 23072 | AFLAC | $1 | — | $1 | 0.00% |
| DAVID J MCCLELLAN3 Filed as: DAVID J WAGENHEIM | 582 WOODBINE AVE TOWSON, MD 21204 | AFLAC | $1 | — | $1 | 0.00% |
| GEORGE WILLIAMS3 Filed as: GEORGE LOWNDES WILLIAMS | 208 GRAND PARK BLVD CHARLESTON, SC 29492 | AFLAC | $1 | — | $1 | 0.00% |
| ALVIN J LILLEY3 | 5684 CR 437 SITE 65 PRINCETON, TX 75407 | AFLAC | $1 | — | $1 | 0.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INSURANCE | 1 KELLY WAY SPARKS, MD 21152 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $1K | $4K | 15.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES | 1 KELLY WAY SPARKS, MD 21152 | DOMINION NATIONAL | $498 | — | $498 | 10.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INSURANCE | 1 KELLY WAY SPARKS, MD 21152 | LIFE INSURANCE OF NORTH AMERICA | $3K | $116 | $3K | 145.19% |
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 | 210 | 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) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 154 | $1.9M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 154 | $1.9M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 154 | $1.9M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 243 | $29K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 189 | $23K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 189 | $38K |
| Other(2 contracts, 2 carriers) | AFLAC | 243 | $26K |
| 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."
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.