| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $39K | $39K | 1.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC. | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $37K | $37K | 1.63% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $15K | $15K | 0.67% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $4K | $15K | 6.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 3.98% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 1.54% |
| ARMFIELD HARRISON & THOMAS5 Filed as: ARMFIELD, HARRISON & THOMAS, I | 4704 DE INVIERNO WAY MT. AIRY, MD 21771 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 1.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 5.57% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 4.80% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 4704 DE INVIERNO WAY MT. AIRY, MD 21771 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.13% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.40% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.00% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 4704 DE INVIERNO WAY MT. AIRY, MD 21771 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.18% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 7.02% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.83% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 4704 DE INVIERNO WAY MT. AIRY, MD 21771 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.89% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.18% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.14% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 4704 DE INVIERNO WAY MT. AIRY, MD 21771 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.25% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | UNUM INSURANCE COMPANY | $985 | $410 | $1K | 7.42% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS DBA | 6720B ROCKLEDGE SR STE 400 BETHESDA, MD 20817 | UNUM INSURANCE COMPANY | $636 | $133 | $769 | 4.09% |
| INSURANCE MARKETPLACE LLC3 | 11350 RANDOM HILLS RD STE 800 FAIRFAX, VA 22030 | UNUM INSURANCE COMPANY | $636 | $0 | $636 | 3.38% |
| MID ATLANTIC BENEFITS GROUP LLC5 Filed as: MID ATLANTIC BENEFITS GROUP | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $276 | $4K | 22.49% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS DBA THE | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 14.48% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS DBA | 6720B ROCKLEDGE SR STE 400 BETHESDA, MD 20817 | UNUM INSURANCE COMPANY | $633 | $111 | $744 | 6.13% |
| INSURANCE MARKETPLACE LLC3 Filed as: INSURANCE MARKETPLACE, LLC | 11350 RANDOM HILLS RD STE 800 FAIRFAX, VA 22030 | UNUM INSURANCE COMPANY | $633 | $0 | $633 | 5.21% |
| THE MELZER GROUP INC3 Filed as: THE MELZER GROUP | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | UNUM INSURANCE COMPANY | $27 | $9 | $36 | 0.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $728 | $0 | $728 | 8.34% |
| THE CAPITAL GROUP LLC3 | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $404 | $0 | $404 | 4.63% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 6720B ROCKLEDGE SR STE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $308 | $0 | $308 | 3.53% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $305 | $0 | $305 | 3.50% |
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 | 425 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 441 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 336 | $2.2M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 319 | $238K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 319 | $238K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 425 | $49K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 427 | $144K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 429 | $95K |
| Other(6 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 425 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 429 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.