| 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 | -$2K | $45K | $43K | 3.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | DOMINION NATIONAL | $5K | $0 | $5K | 8.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR SUITE 500 BETHESDA, MA 20817 | AFLAC | $2K | $0 | $2K | 6.29% |
| MATTHEW D DIPASQUALE3 | 603 WESTBURY ROAD FALLSTON, MD 21094 | AFLAC | $1K | $27 | $1K | 3.14% |
| THOMAS B SCOTT3 | 1295 MONROS ST HERNDON, VA 20170 | AFLAC | $612 | $143 | $755 | 2.14% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFITS GROUP LL | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $754 | $0 | $754 | 2.13% |
| MICHAEL C WALKER3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $722 | $29 | $751 | 2.13% |
| HILARY RADOLEC3 | 165 CROSSBOW LN GAITHERSBURG, MA 20878 | AFLAC | $326 | $0 | $326 | 0.92% |
| POTOMAC BASIN GROUP ASSOCIATES LLC3 | 4740 CORRIDOR PL STE B BELTSVILLE, MD 20705 | AFLAC | $283 | $0 | $283 | 0.80% |
| DONAJEAN JONES3 | 1102 LAPIDUM RD HAVRE DE GRACE, MD 21078 | AFLAC | $189 | $0 | $189 | 0.54% |
| MAUREEN SIBOLD3 | 9017 RED BRANCH RD STE 201 COLUMBIA, MA 21045 | AFLAC | $61 | $0 | $61 | 0.17% |
| MARK D STONER3 | 10170 CAPE ANN DR COLUMBIA, MD 21046 | AFLAC | $32 | $0 | $32 | 0.09% |
| ANASTASIA BARANOV3 | 1905 CARTER MILL WAY BROOKEVILLE, MD 21044 | AFLAC | $28 | $0 | $28 | 0.08% |
| DONALD PRITCHETT3 | 6729 GREEN MILL WAY COLUMBIA, MD 21044 | AFLAC | $26 | $0 | $26 | 0.07% |
| CARLOS STEIN3 | 8 NOBLEWOOD CT GAITHERSBURG, MD 20878 | AFLAC | $18 | $0 | $18 | 0.05% |
| BRYAN FISH3 | 4050 CANDLE LIGHT DR DAYTON, MD 21036 | AFLAC | $16 | $0 | $16 | 0.05% |
| DAVID SCHENKEL JR3 | 2141 INDUSTRIAL PKWY STE 204 SILVER SPRING, MD 20904 | AFLAC | $6 | $0 | $6 | 0.02% |
| JASON D ELLIS3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $5 | $0 | $5 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6707 DEMOCRACY BLVD #500 BETHESDA, MD 20817 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.60% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET ST SUITE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.35% |
| THOMAS B SCOTT3 | 1295 MONROE ST HERNDON, VA 20170 | TRANSAMERICA LIFE INSURANCE COMPANY | $428 | $0 | $428 | 1.27% |
| DONAJEAN JONES3 | 1102 LAPIDUM ROAD HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $339 | $0 | $339 | 1.01% |
| SUSAN L MCCLANE3 | 14 MCMULLENS WHARF PERRYVILLE, MD 21903 | TRANSAMERICA LIFE INSURANCE COMPANY | $71 | $0 | $71 | 0.21% |
| WESLEY K JOHNSON II3 | 8 REED CIRCLE RISING SUN, MD 21911 | TRANSAMERICA LIFE INSURANCE COMPANY | $63 | $0 | $63 | 0.19% |
| HILARY RADOLEC3 Filed as: HILARY B RADOLEC | 4801 FAIRMONT AVE #713 BETHESDA, MD 20814 | TRANSAMERICA LIFE INSURANCE COMPANY | $42 | $0 | $42 | 0.12% |
| LAURA A FREW3 | 13510 ALLISTON DRIVE BALDWIN, MD 21013 | TRANSAMERICA LIFE INSURANCE COMPANY | $36 | $0 | $36 | 0.11% |
| JORDAN A PURCELL3 | 72 E ELLENDALE ST BEL AIR, MD 21014 | TRANSAMERICA LIFE INSURANCE COMPANY | $5 | $0 | $5 | 0.01% |
| 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 | $3K | $91 | $3K | 15.44% |
| 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 | $3K | $80 | $3K | 15.47% |
| 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 | $68 | $2K | 15.44% |
| 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 | $57 | $2K | 15.43% |
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 | 176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 241 | $1.1M |
| Dental | DOMINION NATIONAL | 138 | $56K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 241 | $1.1M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 176 | $16K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 176 | $21K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 176 | $13K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 241 | $1.1M |
| Other(4 contracts, 3 carriers) | AFLAC | 176 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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.