| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 401 BETHESDA, MD 20817 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $18K | $3K | $21K | 9.51% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP MID-ATLANTIC SG LLC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $8K | $0 | $8K | 3.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | CAREFIRST BLUECHOICE, INC. | $3K | $1K | $4K | 4.04% |
| POTOMAC BASIN GROUP ASSOCIATES LLC5 Filed as: POTOMAC BASIN GROUP ASSOC LLC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | CAREFIRST BLUECHOICE, INC. | $0 | $1K | $1K | 1.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | 11.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | DOMINION NATIONAL | $2K | $0 | $2K | 7.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $194 | $2K | 17.00% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $677 | $0 | $677 | 13.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $458 | $109 | $567 | 11.13% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFITS GROUP | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $458 | $1 | $459 | 9.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $237 | $0 | $237 | 9.37% |
| GROUP VISION SERVICES MGMT INC3 Filed as: GROUP VISION SERVICE INC | 6700 ALEXANDER BELL DR #500 COLUMBIA, MD 21046 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $0 | $154 | $154 | 6.09% |
| FIRST AMERICAN ADMINISTRATORS3 | 4000 LUXOTTICA PLACE MASON, OH 45040 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $0 | $107 | $107 | 4.23% |
| FORREST T JONES AND COMPANY, INC3 Filed as: FORREST T. JONES & COMPANY | 3130 BROADWAY KANSAS CITY, MO 64111 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $0 | $104 | $104 | 4.11% |
| EPIC3 Filed as: EPIC HEARING | 3191 W REMPLE AVE SUITE 200 POMONA, CA 91768 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $0 | $17 | $17 | 0.67% |
| RESOLUTONS INSURANCE3 | 4408 FOREST DRIVE SUITE 202 COLUMBIA, SC 29206 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $0 | $3 | $3 | 0.12% |
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 | 91 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 24 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 36 | $313K |
| Dental(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE, INC. | 40 | $119K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 23 | $3K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 91 | $70K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 91 | $60K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 91 | $60K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 19 | $97K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 91 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 91 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.