| 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 | $571 | $46K | $46K | 3.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | DOMINION NATIONAL | $4K | $0 | $4K | 7.00% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET ST SUITE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6707 DEMOCRACY BLVD #500 BETHESDA, MD 20817 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.78% |
| THOMAS B SCOTT3 | 1295 MONROE ST HERNDON, VA 20170 | TRANSAMERICA LIFE INSURANCE COMPANY | $342 | $0 | $342 | 1.05% |
| WESLEY K JOHNSON II3 | 8 REED CIRCLE RISING SUN, MD 21911 | TRANSAMERICA LIFE INSURANCE COMPANY | $58 | $0 | $58 | 0.18% |
| SUSAN L MCCLANE3 | 14 MCMULLENS WHARF PERRYVILLE, MD 21903 | TRANSAMERICA LIFE INSURANCE COMPANY | $44 | $0 | $44 | 0.14% |
| DONAJEAN JONES3 | 1102 LAPIDUM ROAD HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $43 | $0 | $43 | 0.13% |
| LAURA A FREW3 | 13510 ALLISTON DRIVE BALDWIN, MD 21013 | TRANSAMERICA LIFE INSURANCE COMPANY | $33 | $0 | $33 | 0.10% |
| JORDAN A PURCELL3 | 72 E ELLENDALE ST BEL AIR, MD 21014 | TRANSAMERICA LIFE INSURANCE COMPANY | $5 | $0 | $5 | 0.02% |
| HILARY RADOLEC3 Filed as: HILARY B RADOLEC | 165 CROSSBOW LN GAITHERSBURG, MD 20878 | TRANSAMERICA LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR SUITE 500 BETHESDA, MA 20817 | AFLAC | $1K | $0 | $1K | 3.55% |
| MATTHEW D DIPASQUALE3 | 603 WESTBURY ROAD FALLSTON, MD 21094 | AFLAC | $943 | $5 | $948 | 2.97% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFITS GROUP LL | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $521 | $0 | $521 | 1.63% |
| MICHAEL C WALKER3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $442 | $5 | $447 | 1.40% |
| THOMAS B SCOTT3 | 1295 MONROE ST HERNDON, VA 20170 | AFLAC | $355 | $26 | $381 | 1.19% |
| HILARY RADOLEC3 | 165 CROSSBOW LN GAITHERSBURG, MA 20878 | AFLAC | $81 | $0 | $81 | 0.25% |
| MAUREEN SIBOLD3 | 9017 RED BRANCH RD STE 201 COLUMBIA, MA 21045 | AFLAC | $61 | $0 | $61 | 0.19% |
| POTOMAC BASIN GROUP ASSOCIATES LLC3 | 4740 CORRIDOR PL STE B BELTSVILLE, MD 20705 | AFLAC | $46 | $0 | $46 | 0.14% |
| MARK D STONER3 | 10170 CAPE ANN DR COLUMBIA, MD 21046 | AFLAC | $32 | $0 | $32 | 0.10% |
| ANASTASIA BARANOV3 | 1905 CARTER MILL WAY BROOKEVILLE, MD 21044 | AFLAC | $28 | $0 | $28 | 0.09% |
| DONALD PRITCHETT3 | 6729 GREEN MILL WAY COLUMBIA, MD 21044 | AFLAC | $26 | $0 | $26 | 0.08% |
| DONAJEAN JONES3 | 1102 LAPIDUM RD HAVRE DE GRACE, MD 21078 | AFLAC | $19 | $0 | $19 | 0.06% |
| CARLOS STEIN3 | 8 NOBLEWOOD CT GAITHERSBURG, MD 20878 | AFLAC | $18 | $0 | $18 | 0.06% |
| BRYAN FISH3 | 4050 CANDLE LIGHT DR DAYTON, MD 21036 | AFLAC | $16 | $0 | $16 | 0.05% |
| DAVID SCHENKEL JR3 | 4000 BLACKBURN LN STE 260 BURTONSVILLE, MD 20866 | AFLAC | $6 | $0 | $6 | 0.02% |
| JASON D ELLIS3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $4 | $0 | $4 | 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 | $0 | $3K | 15.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $76 | $76 | 0.34% |
| 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 | $0 | $3K | 15.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $58 | $58 | 0.34% |
| 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 | $0 | $2K | 15.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $58 | $58 | 0.36% |
| 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 | $0 | $2K | 15.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $48 | $48 | 0.34% |
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 | 148 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 223 | $1.3M |
| Dental | DOMINION NATIONAL | 129 | $64K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 223 | $1.3M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 170 | $17K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 170 | $23K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 170 | $14K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 223 | $1.3M |
| Other(4 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 170 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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."
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.