| 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 | $85K | $87K | 3.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 410 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $30K | $5K | $34K | 13.15% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $2K | $15K | 5.57% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 SUITE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP BENEFITS | 6500 ROCK SPRING DR 500 BETHESDA, MD 20817 | AMERITAS LIFE INSURANCE CORP. | $8K | $0 | $8K | 5.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | AMERITAS LIFE INSURANCE CORP. | $8K | $0 | $8K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 PARK AVE RM 3202 NEW YORK, NY 10166 | AMERITAS LIFE INSURANCE CORP. | $0 | $388 | $388 | 0.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | $0 | $10K | 10.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 10.06% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 6.68% |
| MICHAEL C WALKER3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $482 | $0 | $482 | 1.48% |
| MATTHEW D DIPASQUALE3 | 1714 FLEET STREET BALTIMORE, MD 21231 | CONTINENTAL AMERICAN INSURANCE COMPANY | $423 | $0 | $423 | 1.30% |
| ERIK LIDUMS3 | 814 BROAD STREET PERRYVILLE, MD 21903 | CONTINENTAL AMERICAN INSURANCE COMPANY | $70 | $0 | $70 | 0.22% |
| WENDELL LAMONTE ODUM3 | 4416 NORFOLK AVE BALTIMORE, MD 21216 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | $0 | $43 | 0.13% |
| JASON A BARE3 | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | $0 | $33 | 0.10% |
| ARMANDO ERCOLE3 | 1125 AIKEN AVE PERRYVILLE, MD 21903 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | $0 | $30 | 0.09% |
| CAROLYN BUZANOSKI HEIGER3 | 1108 STURBRIDGE ROAD FALLSTON, MD 21047 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | $0 | $5 | 0.02% |
| BEVERLY THOMAS3 | 110 DUSTIN LANE NW MADISON, AL 35727 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| JORDAN A PURCELL3 | 72 E ELLENDALE ST BEL AIR, MD 21014 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$18 | $0 | -$18 | -0.06% |
| TIMOTHY M CAMPBELL3 Filed as: TIMOTHY MICHAEL CAMPBELL | 3853 LEVEL ROAD HAVRE DE GRACE, MA 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$21 | $0 | -$21 | -0.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | UNITEDHEALTHCARE INSURANCE COMPANY | $399 | $0 | $399 | 11.66% |
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 | 565 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 570 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 327 | $2.6M |
| Dental(3 contracts, 3 carriers) | AMERITAS LIFE INSURANCE CORP. | 479 | $318K |
| Vision(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 479 | $2.7M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 565 | $323K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 565 | $261K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 565 | $323K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 327 | $2.5M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 565 | $355K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 565 | — |
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.