| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | CAREFIRST BLUECHOICE, INC. | $9K | $74K | $83K | 6.90% |
| POTOMAC BASSIN GROUP ASSOC LLC5 Filed as: POTOMAC BASSIN GROUP ASSOCIATES LLC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | CAREFIRST BLUECHOICE, INC. | $0 | $16K | $16K | 1.30% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET ST SUITE 210 HAVRE DE GRACE, MD 21078 | SUNLIFE ASSURANCE COMPANY OF CANADA | $1K | $0 | $1K | 4.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | SUNLIFE ASSURANCE COMPANY OF CANADA | $466 | $0 | $466 | 2.08% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY # 2-215 AUSTIN, TX 78746 | SUNLIFE ASSURANCE COMPANY OF CANADA | $0 | $20 | $20 | 0.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING RD STE 500 BETHESDA, MD 20817 | FIDELITY SECURITY LIFE INSURANCE | $1K | $0 | $1K | 9.69% |
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 | 181 | 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) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 177 | $1.2M |
| Dental | CAREFIRST BLUECHOICE, INC. | 177 | $1.2M |
| Vision | FIDELITY SECURITY LIFE INSURANCE | 187 | $13K |
| Life insurance | SUNLIFE ASSURANCE COMPANY OF CANADA | 77 | $22K |
| Short-term disability | SUNLIFE ASSURANCE COMPANY OF CANADA | 77 | $22K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 177 | $1.2M |
| Other | SUNLIFE ASSURANCE COMPANY OF CANADA | 77 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.