| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | CAREFIRST BLUE CHOICE | $40K | $9K | $48K | 4.27% |
| POTOMAC BASIN GROUP ASSOCIATES LLC5 Filed as: POTOMAC BASIN GROUP ASSOC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | CAREFIRST BLUE CHOICE | $0 | $10K | $10K | 0.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | DOMINION NATIONAL | $4K | $0 | $4K | 7.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | AFLAC | $3K | $0 | $3K | 7.96% |
| MATTHEW D DIPASQUALE3 Filed as: MATTHEW DIPASQUALE | 403 S EAST AVENUE BALTIMORE, MD 21224 | AFLAC | $1K | $207 | $2K | 3.76% |
| THOMAS B SCOTT3 Filed as: THOMAS SCOTT | 1295 MONROE STREET HERNDON, VA 20170 | AFLAC | $1K | $165 | $1K | 2.94% |
| MICHAEL C WALKER3 Filed as: MICHAEL WALKER | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $888 | $207 | $1K | 2.73% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $901 | $0 | $901 | 2.24% |
| KAYLA NEARY3 | 215A SENECA WAY HAVRE DE GRACE, MD 21078 | AFLAC | $411 | $0 | $411 | 1.02% |
| MAUREEN SIBOLD3 | 9017 RED BRANCH ROAD SUITE 201 COLUMBIA, MD 21045 | AFLAC | $73 | $0 | $73 | 0.18% |
| MARK STONER3 | 10170 CAPE ANN DRIVE COLUMBIA, MD 21045 | AFLAC | $39 | $0 | $39 | 0.10% |
| ANASTASIA BARANOV3 | 3746 COLLEGE AVENUE ELLICOTT CITY, MD 21043 | AFLAC | $34 | $0 | $34 | 0.08% |
| DONALD PRITCHETT3 | 6729 GREEN MILL WAY COLUMBIA, MD 21044 | AFLAC | $31 | $0 | $31 | 0.08% |
| BRYAN FISH3 | 4050 CANDLE LIGHT DRIVE DAYTON, MD 21036 | AFLAC | $20 | $0 | $20 | 0.05% |
| CARLOS STEIN3 | 21 ELMCROFT COURT APT D201 ROCKVILLE, MD 20850 | AFLAC | $19 | $0 | $19 | 0.05% |
| DAVID SCHENKEL JR3 | 2141 INDUSTRIAL PARKWAY STE 204 SILVER SPRING, MD 20904 | AFLAC | $8 | $0 | $8 | 0.02% |
| JASON D ELLIS3 Filed as: JASON ELLIS | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $1 | $0 | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC. | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | TRANSAMERICA LIFE INSURANCE CO | $2K | $0 | $2K | 8.49% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE CO | $2K | $0 | $2K | 7.85% |
| WESLEY K JOHNSON II3 | 8 REED CIRCLE RISING SUN, MD 21911 | TRANSAMERICA LIFE INSURANCE CO | $181 | $0 | $181 | 0.65% |
| SUSAN L MCCLANE3 | 555 CONCORD STREET UNIT D HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE CO | $80 | $0 | $80 | 0.29% |
| THOMAS B SCOTT3 | 1295 MONROE STREET HERNDON, VA 20170 | TRANSAMERICA LIFE INSURANCE CO | $71 | $0 | $71 | 0.26% |
| LAURA A FREW3 | 13510 ALLISTON DRIVE BALDWIN, MD 21013 | TRANSAMERICA LIFE INSURANCE CO | $30 | $0 | $30 | 0.11% |
| JORDAN A PURCELL3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE CO | $4 | $0 | $4 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 20.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $208 | $208 | 1.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 20.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $197 | $197 | 1.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 20.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $177 | $177 | 1.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 20.01% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $131 | $131 | 1.69% |
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 | 146 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAREFIRST BLUE CHOICE | 197 | $1.2M |
| Dental | DOMINION NATIONAL | 112 | $52K |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE CO | 423 | $40K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 147 | $15K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 147 | $14K |
| Prescription drug | CAREFIRST BLUE CHOICE | 197 | $1.1M |
| Other(4 contracts, 3 carriers) | AFLAC | 423 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 423 | — |
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.