| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HERITAGE BENEFITS LLC3 Filed as: HERITAGE FINANCIAL CONSULTANTS, LLC | 307 INTERNATIONAL CIRCLE, SUITE 390 HUNT VALLEY, MD 21030 | BLUE CROSS BLUE SHIELD OF DELAWARE, INC. | $148K | $0 | $148K | 2.31% |
| WILLIAM SPOTTS3 Filed as: WILLIAM F SPOTTS | 307 INTERNATIONAL CIRCLE SUITE 390 HUNT VALLEY, MD 21031 | DOMINION NATIONAL | $9K | $0 | $9K | 3.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | DOMINION NATIONAL | $7K | $0 | $7K | 2.72% |
| HERITAGE BENEFITS LLC3 | 307 INTERNATIONAL CIRCLE SUITE 390 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $5K | $18K | 13.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $0 | $17K | 12.32% |
| EBSME LLC3 | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.36% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY SUITE 600 AUSTIN, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.88% |
| HERITAGE BENEFITS LLC3 | 307 INTERNATIONAL CIRCLE SUITE 390 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $5K | $9K | 6.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 5.83% |
| EBSME LLC3 | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.57% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY SUITE 600 AUSTIN, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.03% |
| HERITAGE BENEFITS LLC3 | 307 INTERNATIONAL CIRCLE SUITE 390 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $3K | $6K | 6.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 6.02% |
| EBSME LLC3 | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $2K | $4K | 4.15% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY SUITE 600 AUSTIN, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $761 | $761 | 0.87% |
| JACK W ABEL3 | 6500 ROCK CREEK DR SUITE 500 BETHESDA, MD 20817 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.68% |
| WILLIAM SPOTTS3 | 307 INTERNATIONAL CIRCLE, SUITE 390 HUNT VALLEY, MD 21030 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.63% |
| HERITAGE BENEFITS LLC3 | 307 INTERNATIONAL CIRCLE SUITE 390 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $2K | $4K | 7.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.59% |
| EBSME LLC3 | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $729 | $1K | $2K | 3.84% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY SUITE 600 AUSTIN, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $592 | $592 | 1.22% |
| WILLIAM FRANKLIN SPOTTS3 | 307 INTERNATIONAL CIRCLE SUITE 390 HUNT VALLEY, MD 21030 | AFLAC | $795 | $0 | $795 | 3.37% |
| JASON D ELLIS3 Filed as: JASON ALLEN BARE | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $713 | $6 | $719 | 3.05% |
| STEPHEN J SALAMON3 | PO BOX 4252 TIMONIUM, MD 21094 | AFLAC | $257 | $0 | $257 | 1.09% |
| LISA M GROOM3 | 4 REVELSTONE DRIVE NEWARK, DE 19711 | AFLAC | $171 | $31 | $202 | 0.86% |
| MICHAEL C WALKER3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $170 | $6 | $176 | 0.75% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $172 | $0 | $172 | 0.73% |
| JULIA M SALAMON3 | PO BOX 4252 TIMONIUM, MD 21094 | AFLAC | $111 | $0 | $111 | 0.47% |
| AUTUMN STROHMAIER3 | 16 COLORA SCHOOL RD COLORA, MD 21917 | AFLAC | $94 | $0 | $94 | 0.40% |
| MATTHEW D DIPASQUALE3 Filed as: MATTHEW DIPASQUALE | 403 S EAST AVE BALTIMORE, MD 21224 | AFLAC | $75 | $0 | $75 | 0.32% |
| LEILA RAPPAPORT3 | 116 LAKS DR MIDDLETOWN, DE 19709 | AFLAC | $40 | $0 | $40 | 0.17% |
| SUSAN L MCCLANE3 | 230 W CLAIBORNE RD APT 201 NORTH EAST, MD 21901 | AFLAC | $33 | $0 | $33 | 0.14% |
| WESLEY K JOHNSON II3 | 8 REED CIRCLE RISING SUN, MD 21911 | AFLAC | $33 | $0 | $33 | 0.14% |
| MICHAEL K VOLL JR3 Filed as: MICHAEL J VOLL JR | 3495 GRACE ANN DRIVE VINELAND, NJ 08360 | AFLAC | $33 | $0 | $33 | 0.14% |
| AUTUMN STROHMAIER3 | 176 S SHORE RD ELKTON, MD 21921 | AFLAC | $30 | $0 | $30 | 0.13% |
| KATHLEEN M KONEGAN3 | 3050 HIGHWOODS DR ASTON, PA 19014 | AFLAC | $29 | $0 | $29 | 0.12% |
| MARYANN M MEYERS3 | 6704 PLEASURE AVENUE SUITE B SEA ISLE CITY, NJ 08243 | AFLAC | $29 | $0 | $29 | 0.12% |
| JASON D ELLIS3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $27 | $0 | $27 | 0.11% |
| MICHAEL EDWARD RISKA3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $27 | $0 | $27 | 0.11% |
| AUTUMN STROHMAIER3 | 573 BELLEVUE RD STE B NEWMARK, DE 19713 | AFLAC | $23 | $0 | $23 | 0.10% |
| DAVID MORNINGSTAR3 | 11285 DOVEDAL CT FLOOR 2 MARRIOTTSVILLE, MD 21104 | AFLAC | $19 | $0 | $19 | 0.08% |
| AAA CLUB ALLIANCE INC3 | 1 RIVER PL WILMINGTON, DE 19801 | AFLAC | $14 | $0 | $14 | 0.06% |
| RICHARD H TOBIAS3 | 416 W JEFFERSON AVE LINWOOD, NJ 08221 | AFLAC | $12 | $0 | $12 | 0.05% |
| MAIN LINE BENEFIT SOLUTIONS LLC3 Filed as: MAIN LINE BENEFIT SOLUTIONS | 1405 LARKSPUR LN MALVERN, PA 19355 | AFLAC | $12 | $0 | $12 | 0.05% |
| SUSAN L MCCLANE3 | 14 MCMULLENS WHARF PERRYVILLE, MD 21903 | AFLAC | $8 | $0 | $8 | 0.03% |
| SUSAN L MCCLANE3 | 555 CONCORD ST UNIT D HAVRE DE GRACE, MD 21078 | AFLAC | $8 | $0 | $8 | 0.03% |
| THOMAS J POPPERT3 Filed as: THOMAS J. POPPERT | 1001 RAY COSTIN WAY UNIT 1601 MURRELLS INLET, SC 29576 | AFLAC | $6 | $0 | $6 | 0.03% |
| JORDAN A PURCELL3 Filed as: JORDAN A. PURCELL | 72 E ELLENDALE ST BEL AIR, MD 21014 | AFLAC | $5 | $0 | $5 | 0.02% |
| JEREMY A FELDMAN3 | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $4 | $0 | $4 | 0.02% |
| HILARY RADOLEC3 | 4801 FAIRMONT AVE APT 713 BETHESDA, MD 20814 | AFLAC | $4 | $0 | $4 | 0.02% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTERS LANE NEW LONDON, NC 28127 | AFLAC | $4 | $0 | $4 | 0.02% |
| JORDAN A PURCELL3 | 301 VICTORY GALLOP CT HAVRE DE GRACE, MD 21078 | AFLAC | $3 | $0 | $3 | 0.01% |
| LORENZO V CUTAIA3 | 123 AZALEA LANE EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $2 | $0 | $2 | 0.01% |
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 | 550 | 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) | 550 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF DELAWARE, INC. | 840 | $6.4M |
| Dental | DOMINION NATIONAL | 341 | $248K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 550 | $58K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 477 | $266K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 475 | $49K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 477 | $88K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 477 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 840 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.