| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TMG INSURANCE SERVICES INC3 | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | CAREFIRST BLUECHOICE | $119K | $20K | $139K | 4.12% |
| POTOMAC BASIN GROUP ASSOCIATES LLC5 Filed as: POTOMAC BASIN GROUP ASSOC LLC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | CAREFIRST BLUECHOICE | $0 | $20K | $20K | 0.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $7K | $21K | 7.32% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2, SUITE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $35K | $0 | $35K | 15.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 12.32% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.72% |
| JORDAN A PURCELL3 | 203 MARKET ST SUITE 201 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.25% |
| MICHAEL C WALKER3 | 203 MARKET STREET STE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $995 | $0 | $995 | 2.74% |
| MATTHEW D DIPASQUALE3 | 1714 FLEET STREET BALTIMORE, MD 21231 | CONTINENTAL AMERICAN INSURANCE COMPANY | $407 | $0 | $407 | 1.12% |
| BEVERLY THOMAS3 | 601 POST OFFICE ROAD #219 WALDORF, MD 20602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $241 | $0 | $241 | 0.66% |
| JASON A BARE3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
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 | 510 | 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) | 510 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 718 | $3.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,182 | $283K |
| Vision | CAREFIRST BLUECHOICE | 718 | $3.4M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 510 | $230K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 510 | $230K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 510 | $230K |
| Prescription drug | CAREFIRST BLUECHOICE | 718 | $3.4M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 510 | $267K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,182 | — |
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.