| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC. | PO BOX 783088 PHILADELPHIA, PA 19178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | $65K | $74K | 3.63% |
| POTOMAC BASIN GROUP ASSOC LLC3 | 6500 ROCK SPRING DRIVE SUITE 410 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $43K | $43K | 2.12% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN LLC | 704 QUINCE ORCHARD ROAD SUITE 250 GAITHERSBURG, MD 20878 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 6.09% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCESTANDARD LIFE INSURANCE COMPANY | — | $445 | $445 | 0.89% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN LLC | 704 QUINCE ORCHARD ROAD SUITE 250 GAITHERSBURG, MD 20878 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 7.51% |
| CARA WEBSTER3 | 8370 VETERANS HIGHWAY SUITE 101 MILLERSVILLE, MD 21108 | AFLAC | $3K | — | $3K | 7.27% |
| MATTHEW W EVANS3 | 8370 VETERANS HIGHWAY SUITE 101 MILLERSVILLE, MD 21108 | AFLAC | $2K | — | $2K | 5.07% |
| QSMR INC3 | 8370 VETERANS HIGHWAY SUITE 101 MILLERSVILLE, MD 21108 | AFLAC | $2K | — | $2K | 3.73% |
| DREW SKIBITSKY3 | 8370 VETERANS HIGHWAY SUITE 101 MILLERSVILLE, MD 21108 | AFLAC | $989 | — | $989 | 2.33% |
| GLENDA BARRETT3 | 305 MARTINS COVE ROAD ANNAPOLIS, MD 21409 | AFLAC | $708 | — | $708 | 1.67% |
| CAROLINE D MORNINGSTAR3 | 4281 BUCKSKIN WOOD DRIVE ELLICOTT CITY, MD 21042 | AFLAC | $255 | — | $255 | 0.60% |
| WILLIAM FEDO3 Filed as: WILLIAM C FEDO | 8370 VETERANS HIGHWAY SUITE 101 MILLERSVILLE, MD 21108 | AFLAC | $137 | — | $137 | 0.32% |
| GREER INSURANCE3 | 8370 VETERANS HIGHWAY SUITE 101 MILLERSVILLE, MD 21108 | AFLAC | $115 | — | $115 | 0.27% |
| STEPHEN J SALAMON3 | PO BOX 4252 TIMONIUM, MD 21094 | AFLAC | $100 | — | $100 | 0.24% |
| ERIN BURNS3 | 8370 VETERANS HIGHWAY SUITE 101 MILLERSVILLE, MD 21108 | AFLAC | $94 | — | $94 | 0.22% |
| DALE SHADDOCK3 | 8927 MAYFLOWER ROAD ROSEDALE, MD 21237 | AFLAC | $82 | — | $82 | 0.19% |
| CHARLES P SHETTLE3 | 1400 BATTERY AVENUE BALTIMORE, MD 21230 | AFLAC | $82 | — | $82 | 0.19% |
| RENEE T CARCHMAN3 | 307 BALTUSROL DRIVE UNIT 207 GERMANTOWN, MD 20874 | AFLAC | $78 | — | $78 | 0.18% |
| DAVID MORNINGSTAR3 Filed as: DAVID G MORNINGSTAR | 4281 BUCKSKIN WOOD DRIVE ELLICOTT CITY, MD 21042 | AFLAC | $71 | — | $71 | 0.17% |
| SARAH A ROBERTSON3 | 5337 SWEETWATER DRIVE WEST RIVER, MD 20778 | AFLAC | $67 | — | $67 | 0.16% |
| SYDNEY R KEISER3 | 1235 BERANS ROAD OWINGS MILLS, MD 21117 | AFLAC | $65 | — | $65 | 0.15% |
| SCOTT M NATHAN3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $59 | — | $59 | 0.14% |
| WILLIE BEVERLY3 | 8721 AUTUMN RIDGE COURT ODENTON, MD 21113 | AFLAC | $44 | — | $44 | 0.10% |
| MELISSA SUSAN LYNCH3 | 507 AUGUSTA DRIVE ARNOLD, MD 21012 | AFLAC | $37 | — | $37 | 0.09% |
| HILARY RADOLEC3 | 7619 GOLDEN SLUMBER LANE ELKRIDGE, MD 21075 | AFLAC | $33 | — | $33 | 0.08% |
| JOSE GONZALEZ3 | 837 VETERANS HIGHWAY MILLERSVILLE, MD 21108 | AFLAC | $33 | — | $33 | 0.08% |
| JOSHUA M PINCUS SOKOLOFF3 | 575 SOUTH CHARLES STREET SUITE 503 BALTIMORE, MD 21201 | AFLAC | $32 | — | $32 | 0.08% |
| CAROLINE BERMUDEZ3 | 2991 WINDING RIVER PLACE LAUREL, MD 20724 | AFLAC | $30 | — | $30 | 0.07% |
| JEREMY A FELDMAN3 | 11337 NEWPORT BAY DRIVE BERLIN, MD 21811 | AFLAC | $28 | — | $28 | 0.07% |
| KANDIS PERRY3 | 8370 VETERANS HIGHWAY SUITE 101 MILLERSVILLE, MD 21108 | AFLAC | $27 | — | $27 | 0.06% |
| JISELLE BURKHALTER3 | 761 DUVALL HIGHWAY PASADENA, MD 21122 | AFLAC | $20 | — | $20 | 0.05% |
| ROBERT S PEVENSTEIN3 | 1207 LIMEKILN ROAD TOWSON, MD 21286 | AFLAC | $20 | — | $20 | 0.05% |
| MELISSA S LYNCH3 | 507 AUGUSTA DRIVE ARNOLD, MD 21012 | AFLAC | $18 | — | $18 | 0.04% |
| DAWN M JHONSON3 | PO BOX 982 CLARKSBURG, MD 20871 | AFLAC | $18 | — | $18 | 0.04% |
| VICTORIA ELIZABET GAGEN3 | 19215 WHEATFIELD DRIVE GERMANTOWN, MD 20876 | AFLAC | $13 | — | $13 | 0.03% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN LLC | 704 QUINCE ORCHARD ROAD SUITE 250 GAITHERSBURG, MD 20878 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 10.63% |
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 | 227 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 178 | $2.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 178 | $2.0M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 178 | $2.0M |
| Life insurance | RELIANCESTANDARD LIFE INSURANCE COMPANY | 193 | $50K |
| Short-term disability | RELIANCESTANDARD LIFE INSURANCE COMPANY | 193 | $48K |
| Long-term disability | RELIANCESTANDARD LIFE INSURANCE COMPANY | 193 | $36K |
| Other(2 contracts, 2 carriers) | RELIANCESTANDARD LIFE INSURANCE COMPANY | 193 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.