| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE STE 500 BETHESDA, MD 20817 | SUN LIFE ASSURANCE COMPANY OF CANADA | $80K | $0 | $80K | 9.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC. | 1250 S CAPITAL OF TEXAS HWY BLDG 2 SUITE 125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $3K | $3K | 0.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | SUN LIFE ASSURANCE COMPANY OF CANADA | $34K | $3K | $37K | 8.71% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG II STE 125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $2K | $2K | 0.37% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 6.38% |
| 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 | 4.29% |
| MICHAEL C WALKER3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.44% |
| MATTHEW D DIPASQUALE3 | 1714 FLEET STREET BALTIMORE, MD 21231 | CONTINENTAL AMERICAN INSURANCE COMPANY | $703 | $0 | $703 | 0.96% |
| JASON A BARE3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $208 | $0 | $208 | 0.29% |
| BRYAN D FISH3 | 638 SIDELING COURT SYKESVILLE, MD 21784 | CONTINENTAL AMERICAN INSURANCE COMPANY | $99 | $0 | $99 | 0.14% |
| MATTHEW G BURNSIDE3 | 6712 HEATHERFORD COURT DERWOOD, MD 20855 | CONTINENTAL AMERICAN INSURANCE COMPANY | $70 | $0 | $70 | 0.10% |
| WESLEY K JOHNSON II3 Filed as: WESLEY K JOHNSON | 8 REED CIRCLE RISING SUN, MD 21911 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | $0 | $34 | 0.05% |
| SUSAN S STRICKLAND3 | 2194 SUGARLOAF PARKVIEW LANE CLARKSBURG, MD 20871 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | $0 | $31 | 0.04% |
| THEON P KARABATSOS3 | 302 MONROE STREET APARTMENT B2 ROCKVILLE, MD 20850 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | $0 | $26 | 0.04% |
| BEVERLY THOMAS3 | 601 POST OFFICE ROAD #219 WALDORF, MD 20602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | $0 | $20 | 0.03% |
| THOMAS B SCOTT3 | 1295 MONROE STREET HERNDON, VA 20170 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | $0 | $20 | 0.03% |
| JORDAN A PURCELL3 | 301 VICTORY GALLOP CT HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | $0 | $20 | 0.03% |
| BRITTON JOHNSON3 Filed as: BRITTON L JOHNSON | 8 SHACKLEFORD PLZ SUITE 300 LITTLE ROCK, AR 72211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | $0 | $11 | 0.02% |
| ROBERT L SONKEN3 Filed as: ROBERT SONKEN | 15925 GREEN MEADOW ROAD DARNESTOWN, MD 20878 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | $0 | $5 | 0.01% |
| JENNIFER D EBAUGH3 | 1670 D MOHEGAN DRIVE HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | $0 | $5 | 0.01% |
| SUSAN L MCCLANE3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | $0 | $5 | 0.01% |
| DANIEL J LONG3 | 7944 WESTBURY LN SEVERN, MD 21144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| LISA M GROOM3 | 4 REVELSTO NE DRIVE NEWARK, DE 19711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| EDWIN VEGA3 | 134 PINE COVE AVENUE ODENTON, MD 21113 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | FIDELITY SECURITY LIFE INSURANCE | $3K | $0 | $3K | 4.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC. | 5707 DEMOCRACY BLVD SUITE 500 BETHESDA, MD 20817 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.10% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 102 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.98% |
| JORDAN A PURCELL3 | 72 E ELLENDALE STREET BEL AIR, MD 21014 | TRANSAMERICA LIFE INSURANCE COMPANY | $43 | $0 | $43 | 0.08% |
| ROBERT L SONKEN3 | 15925 GREEN MEADOW ROAD DARNESTOWN, MD 20878 | TRANSAMERICA LIFE INSURANCE COMPANY | $34 | $0 | $34 | 0.06% |
| SUSAN S STRICKLAND3 Filed as: SUSAN S STICKLAND | 6219 EXECUTIVE BLVD ROCKFORD, MD 20852 | TRANSAMERICA LIFE INSURANCE COMPANY | $25 | $0 | $25 | 0.05% |
| THEON P KARABATSOS3 | 302 MONROE COURT SUITE B2 ROCKVILLE, MD 20850 | TRANSAMERICA LIFE INSURANCE COMPANY | $15 | $0 | $15 | 0.03% |
| WESLEY K JOHNSON II3 | 8 REED CIRCLE RISING SUN, MD 21911 | TRANSAMERICA LIFE INSURANCE COMPANY | $12 | $0 | $12 | 0.02% |
| JASON A BARE3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $11 | $0 | $11 | 0.02% |
| THOMAS B SCOTT3 | 1295 MONROE STREET HERNDON, VA 20170 | TRANSAMERICA LIFE INSURANCE COMPANY | $9 | $0 | $9 | 0.02% |
| LISA M GROOM3 | 4 REVELSTONE DRIVE NEWARK, DE 19711 | TRANSAMERICA LIFE INSURANCE COMPANY | $7 | $0 | $7 | 0.01% |
| SUSAN L MCCLANE3 | 54 MCMULLENS WHARF PERRYVILLE, MD 21903 | TRANSAMERICA LIFE INSURANCE COMPANY | $5 | $0 | $5 | 0.01% |
| JENNIFER D EBAUGH3 | 1670 MOHEGAN DRIVE UNIT D HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| THOMAS ASSOCIATES LLC3 | 2801 SCENIC MEADOW STREET WALDORF, MD 20603 | TRANSAMERICA LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| MATTHEW D DIPASQUALE3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| BRITTON JOHNSON3 | 3220 N ACADEMY BLVD SUITE 1 COLORADO SPRINGS, CO 80917 | TRANSAMERICA LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
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 | 657 | 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) | 657 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 805 | $424K |
| Vision | FIDELITY SECURITY LIFE INSURANCE | 145 | $60K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 657 | $921K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 657 | $868K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 657 | $868K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 657 | $941K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 805 | — |
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.
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.