| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $43K | $846 | $44K | 3.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | DOMINION NATIONAL | $4K | $0 | $4K | 6.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | AFLAC | $2K | $0 | $2K | 6.74% |
| MATTHEW D DIPASQUALE3 Filed as: MATTHEW DIPASQUALE | 403 S EAST AVENUE BALTIMORE, MD 21224 | AFLAC | $1K | $34 | $1K | 3.45% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $1K | $0 | $1K | 3.17% |
| MICHAEL C WALKER3 Filed as: MICHAEL WALKER | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $696 | $34 | $730 | 2.10% |
| THOMAS B SCOTT3 Filed as: THOMAS SCOTT | 1295 MONROE STREET HERNDON, VA 20170 | AFLAC | $460 | $165 | $625 | 1.80% |
| MAUREEN SIBOLD3 | 9017 RED BRANCH ROAD SUITE 201 COLUMBIA, MD 21045 | AFLAC | $61 | $0 | $61 | 0.18% |
| KAYLA NEARY3 | 215A SENECA WAY HAVRE DE GRACE, MD 21078 | AFLAC | $37 | $7 | $44 | 0.13% |
| MARK STONER3 | 10170 CAPE ANN DRIVE COLUMBIA, MD 21045 | AFLAC | $32 | $0 | $32 | 0.09% |
| ANASTASIA BARANOV3 | 3746 COLLEGE AVENUE ELLICOTT CITY, MD 21043 | AFLAC | $28 | $0 | $28 | 0.08% |
| DONALD PRITCHETT3 | 6729 GREEN MILL WAY COLUMBIA, MD 21044 | AFLAC | $26 | $0 | $26 | 0.07% |
| CARLOS STEIN3 | 21 ELMCROFT COURT APT D201 ROCKVILLE, MD 20850 | AFLAC | $18 | $0 | $18 | 0.05% |
| BRYAN FISH3 | 4050 CANDLE LIGHT DRIVE DAYTON, MD 21036 | AFLAC | $16 | $0 | $16 | 0.05% |
| JASON D ELLIS3 Filed as: JASON ELLIS | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $9 | $0 | $9 | 0.03% |
| DAVID SCHENKEL JR3 | 2141 INDUSTRIAL PARKWAY STE 204 SILVER SPRING, MD 20904 | AFLAC | $6 | $0 | $6 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 18.23% |
| JACK W ABEL3 | 6500 ROCK SPRING DR SUITE 500 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 18.67% |
| JACK W ABEL3 | 6500 ROCK SPRING DRIVE STE 500 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $920 | $2K | 18.24% |
| JACK W ABEL3 | 6500 ROCK SPRING DR SUITE 500 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $985 | $0 | $985 | 7.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $798 | $2K | 18.25% |
| JACK W ABEL3 | 6500 ROCK SPRING DRIVE STE 500 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $854 | $0 | $854 | 7.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | TRANSAMERICA LIFE INSURANCE COMPANY | $165 | $0 | $165 | 6.38% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $152 | $0 | $152 | 5.88% |
| WESLEY K JOHNSON II3 | 8 REED CIRCLE RISING SUN, MD 21911 | TRANSAMERICA LIFE INSURANCE COMPANY | $18 | $0 | $18 | 0.70% |
| SUSAN L MCCLANE3 | 555 CONCORD STREET UNIT D HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $8 | $0 | $8 | 0.31% |
| LAURA A FREW3 | 13510 ALLISTON DRIVE BALDWIN, MD 21013 | TRANSAMERICA LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.12% |
| THOMAS B SCOTT3 | 1295 MONROE STREET HERNDON, VA 20170 | TRANSAMERICA LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.08% |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 214 | $1.3M |
| Dental | DOMINION NATIONAL | 125 | $54K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 214 | $1.2M |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 138 | $16K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 138 | $18K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 137 | $11K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 214 | $1.2M |
| Other(4 contracts, 3 carriers) | AFLAC | 138 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.
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.