| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $94K | $96K | 3.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 410 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $46K | $8K | $54K | 17.62% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 SUITE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP BENEFITS | 6500 ROCK SPRING DR 500 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | $3K | $13K | 6.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $0 | $11K | 9.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 30.26% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 13.30% |
| MICHAEL C WALKER3 | 258 LEWIS STREET HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 4.98% |
| MATTHEW D DIPASQUALE3 | 1202 JOMAT DRIVE JOPPA, MD 21085 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.27% |
| ARMANDO ERCOLE3 | 1125 AIKEN AVE PERRYVILLE, MD 31903 | CONTINENTAL AMERICAN INSURANCE COMPANY | $687 | $0 | $687 | 2.19% |
| CAROLYN BUZANOSKI HEIGER3 | 1108 STURBRIDGE ROAD FALLSTON, MD 21047 | CONTINENTAL AMERICAN INSURANCE COMPANY | $299 | $0 | $299 | 0.95% |
| WENDELL LAMONTE ODUM3 | 4416 NORFOLK AVE BALTOMORE, MD 21216 | CONTINENTAL AMERICAN INSURANCE COMPANY | $222 | $0 | $222 | 0.71% |
| JASON A BARE3 | 119 KIPLING CT ABINGDON, MD 21009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $140 | $0 | $140 | 0.45% |
| ERIK LIDUMS3 Filed as: ERIK LIDMUS | 814 BROAD STREET PERRYVILLE, MD 21903 | CONTINENTAL AMERICAN INSURANCE COMPANY | $110 | $0 | $110 | 0.35% |
| JORDAN A PURCELL3 | 301 VICTORY GALLOP CT HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $54 | $0 | $54 | 0.17% |
| JASON D ELLIS3 | 309 SEATTLE SLEW PL HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | $0 | $29 | 0.09% |
| TIMOTHY M CAMPBELL3 Filed as: TIMOTHY MICHAEL CAMPBELL | 3853 LEVEL ROAD HAVRE DE GRACE, MA 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | $0 | $14 | 0.04% |
| BEVERLY THOMAS3 | 110 DUSTIN LANE NW MADISON, AL 35757 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | $0 | $11 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | UNITEDHEALTHCARE INSURANCE COMPANY | $63 | $0 | $63 | 14.89% |
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 | 530 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 31 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 563 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 421 | $2.9M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 308 | $406K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 421 | $2.8M |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 806 | $308K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 806 | $307K |
| Long-term disability(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 806 | $308K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 421 | $2.7M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 806 | $340K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 806 | — |
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.