| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $1K | $66K | $67K | 3.89% |
| 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 | $0 | $33K | $33K | 1.90% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 1.21% |
| MICHAEL BENDER3 | 1803 RESEARCH BOULEVARD, SUITE 400 ROCKVILLE, MD 20850 | AFLAC | $2K | $0 | $2K | 13.21% |
| DAVID MORNINGSTAR3 Filed as: DAVID MORNINGSTAR AND OTHER AGENTS | 4281 BUCKSKIN WOOD DRIVE ELLICOTT CITY, MD 21042 | AFLAC | $164 | $0 | $164 | 1.08% |
| DAVID SCHENKEL3 | 4000 BLACKBURN LANE, SUITE 260 BURTONSVILLE, MD 20866 | AFLAC | $78 | $0 | $78 | 0.51% |
| YVONNE CRISPINO KLINGER3 Filed as: YVONNE KLINGER | 5503 SPRUCE TREE AVENUE BETHESDA, MD 20814 | AFLAC | $66 | $0 | $66 | 0.43% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 700 WAYNESBORO, VA 22980 | AFLAC | $66 | $0 | $66 | 0.43% |
| BENJAMIN KLINGER3 | 5503 SPRUCE TREE AVENUE BETHESDA, MD 20814 | AFLAC | $62 | $0 | $62 | 0.41% |
| ALFRED E DEVINE3 Filed as: ALFRED DIVINE | 324 DEVINE WAY SILER CITY, NC 27344 | AFLAC | $44 | $0 | $44 | 0.29% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | DOMINION NATIONAL | $310 | $0 | $310 | 10.01% |
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 | 173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 103 | $1.7M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 103 | $1.7M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 103 | $1.7M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 173 | $90K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 173 | $90K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 173 | $90K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 173 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.