| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TMG INSURANCE SERVICES INC3 | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | CAREFIRST BLUECHOICE | $275K | $35K | $311K | 4.23% |
| POTOMAC BASIN GROUP ASSOCIATES LLC5 Filed as: POTOMAC BASIN GROUP ASSOC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | CAREFIRST BLUECHOICE | $0 | $19K | $19K | 0.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 410 BETHESDA, MD 20817 | UNION SECURITY INSURANCE COMPANY | $112K | $0 | $112K | 9.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | $0 | $14K | 13.68% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 8.97% |
| MICHAEL C WALKER3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 4.45% |
| JASON A BARE3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.29% |
| MATTHEW D DIPASQUALE3 | 1714 FLEET STREET BALTIMORE, MD 21231 | CONTINENTAL AMERICAN INSURANCE COMPANY | $881 | $0 | $881 | 0.84% |
| BRYAN D FISH3 | 638 SIDELING COURT SYKESVILLE, MD 21784 | CONTINENTAL AMERICAN INSURANCE COMPANY | $438 | $0 | $438 | 0.42% |
| BRITTON JOHNSON3 Filed as: BRITTON L JOHNSON | 8 SHACKLEFORD PLAZA SUITE 300 LITTLE ROCK, AR 72211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $409 | $0 | $409 | 0.39% |
| MATTHEW G BURNSIDE3 | 6712 HEATHERFORD COURT DERWOOD, MD 20855 | CONTINENTAL AMERICAN INSURANCE COMPANY | $379 | $0 | $379 | 0.36% |
| THEON P KARABATSOS3 | 302 MONROE STREET APARTMENT B2 ROCKVILLE, MD 20850 | CONTINENTAL AMERICAN INSURANCE COMPANY | $338 | $0 | $338 | 0.32% |
| WESLEY K JOHNSON II3 Filed as: WESLEY K JOHNSON | 8 REED CIRCLE RISING SUN, MD 21911 | CONTINENTAL AMERICAN INSURANCE COMPANY | $310 | $0 | $310 | 0.30% |
| JORDAN A PURCELL3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $302 | $0 | $302 | 0.29% |
| THOMAS B SCOTT3 | 1295 MONROE STREET HERNDON, VA 20170 | CONTINENTAL AMERICAN INSURANCE COMPANY | $172 | $0 | $172 | 0.16% |
| SUSAN S STRICKLAND3 | 2194 SUGARLOAF PARKVIEW LANE CLARKSBURG, MD 20871 | CONTINENTAL AMERICAN INSURANCE COMPANY | $169 | $0 | $169 | 0.16% |
| SUSAN L MCCLANE3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $153 | $0 | $153 | 0.15% |
| BEVERLY THOMAS3 | 601 POST OFFICE ROAD SUITE 219 WALDORF, MD 20602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $125 | $0 | $125 | 0.12% |
| LISA M GROOM3 | 4 REVELSTO NE DRIVE NEWARK, DE 19711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $76 | $0 | $76 | 0.07% |
| ROBERT L SONKEN3 Filed as: ROBERT SONKEN | 15925 GREEN MEADOW ROAD DARNESTOWN, MD 20878 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | $0 | $46 | 0.04% |
| JENNIFER D EBAUGH3 | 1670 D MOHEGAN DRIVE HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32 | $0 | $32 | 0.03% |
| DANIEL J LONG3 | 10400 EATON PLACE SUITE 400 FAIRFAX, VA 22030 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | $0 | $23 | 0.02% |
| EDWIN VEGA3 | 134 PINE COVE AVENUE ODENTON, MD 21113 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | $0 | $23 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC. | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | TRANSAMERICA LIFE INSURANCE COMPANY | $14K | $0 | $14K | 18.40% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 102 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 13.44% |
| SUSAN S STRICKLAND3 | 6219 EXECUTIVE BLVD ROCKFORD, MD 20852 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.70% |
| JORDAN A PURCELL3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $905 | $0 | $905 | 1.15% |
| JASON A BARE3 | 203 MARKET STREET SUITE 102 HAVRE DE GRACE, MA 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $447 | $0 | $447 | 0.57% |
| BRITTON JOHNSON3 | 1701 CENTERVIEW DRIVE SUITE 300 LITTLE ROCK, AR 72211 | TRANSAMERICA LIFE INSURANCE COMPANY | $268 | $0 | $268 | 0.34% |
| ROBERT L SONKEN3 | 15925 GREEN MEADOW ROAD DARNESTOWN, MD 20878 | TRANSAMERICA LIFE INSURANCE COMPANY | $208 | $0 | $208 | 0.26% |
| LISA M GROOM3 | 4 REVELSTONE DRIVE NEWARK, DE 19711 | TRANSAMERICA LIFE INSURANCE COMPANY | $184 | $0 | $184 | 0.23% |
| WESLEY K JOHNSON II3 | 8 REED CIRCLE RISING SUN, MD 21911 | TRANSAMERICA LIFE INSURANCE COMPANY | $131 | $0 | $131 | 0.17% |
| SUSAN L MCCLANE3 | 555 CONCORD STREET UNIT D HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $120 | $0 | $120 | 0.15% |
| THEON P KARABATSOS3 | 302 MONROE COURT APARTMENT B2 ROCKVILLE, MD 20850 | TRANSAMERICA LIFE INSURANCE COMPANY | $100 | $0 | $100 | 0.13% |
| JENNIFER D EBAUGH3 | 1670 D MOHEGAN DRIVE HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $63 | $0 | $63 | 0.08% |
| MID ATLANTIC BENEFITS SOLUTION3 Filed as: MID ATLANTIC BENEFIT SOLUTIONS LLC | 1060 LASKIN ROAD SUITE 12B VIRGINIA BEACH, VA 23451 | TRANSAMERICA LIFE INSURANCE COMPANY | $39 | $0 | $39 | 0.05% |
| THOMAS B SCOTT3 | 1295 MONROE STREET HERNDON, VA 20170 | TRANSAMERICA LIFE INSURANCE COMPANY | $38 | $0 | $38 | 0.05% |
| THOMAS ASSOCIATES LLC3 | 2801 SCENIC MEADOW STREET WALDORF, MD 20603 | TRANSAMERICA LIFE INSURANCE COMPANY | $26 | $0 | $26 | 0.03% |
| MATTHEW D DIPASQUALE3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $20 | $0 | $20 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | FIDELITY SECURITY LIFE INSURANCE | $2K | $0 | $2K | 5.00% |
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 | 785 | 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) | 785 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 1,361 | $7.3M |
| Dental | UNION SECURITY INSURANCE COMPANY | 765 | $1.2M |
| Vision | FIDELITY SECURITY LIFE INSURANCE | 843 | $48K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 765 | $1.3M |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 765 | $1.2M |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 765 | $1.2M |
| Prescription drug | CAREFIRST BLUECHOICE | 1,361 | $7.3M |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 765 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,361 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.