| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HERITAGE BENEFITS LLC3 | 307 INTERNATIONAL CIRCLE SUITE 390 HUNT VALLEY, MD 21030 | HIGHMARK DELAWARE | $26K | $0 | $26K | 2.32% |
| 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 | 21.00% |
| EBSME LLC3 | 4704 DE INVIERNO WAY MOUNT AIRY, NC 21771 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $906 | $0 | $906 | 4.00% |
| 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 | $2K | $0 | $2K | 10.08% |
| EBMSE LLC3 | 4704 DE INVIERNO WAY MOUNT AIRY, NC 21771 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $414 | $646 | $1K | 4.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRINGS DRIVE SUITE 500 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.08% |
| EBSME LLC3 | 4704 DE INVIERNO WAY MOUNT AIRY, NC 21771 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $294 | $460 | $754 | 4.92% |
| 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 | $803 | $0 | $803 | 10.08% |
| EBSME LLC3 | 4704 DE INVIERNO WAY MOUNT AIRY, NC 21771 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $153 | $239 | $392 | 4.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $388 | $0 | $388 | 11.43% |
| WILLIAM FRANKLIN SPOTTS3 | 307 INTERNATIONAL CIRCLE SUITE 390 HUNT VALLEY, MD 21030 | AFLAC | $76 | $0 | $76 | 3.81% |
| JASON D ELLIS3 Filed as: JASON ALLEN BARE | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $62 | $0 | $62 | 3.11% |
| LISA M GROOM3 | 4 REVELSTONE DRIVE NEWARK, DE 19711 | AFLAC | $26 | $0 | $26 | 1.30% |
| STEPHEN J SALAMON3 Filed as: STEPHEN SALAMON | PO BOX 4252 TIMONIUM, MD 21094 | AFLAC | $20 | $0 | $20 | 1.00% |
| MICHAEL C WALKER3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $18 | $0 | $18 | 0.90% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFITS GROUP, LLC | 203 MARKET STREET, SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $17 | $0 | $17 | 0.85% |
| AUTUMN STROHMAIER3 | 176 S SHORE RD ELKTON, MD 21921 | AFLAC | $12 | $0 | $12 | 0.60% |
| JULIA M SALAMON3 | PO BOX 4252 TIMONIUM, MD 21094 | AFLAC | $9 | $0 | $9 | 0.45% |
| MATTHEW D DIPASQUALE3 Filed as: MATTHEW DIPASQUALE | 403 S EAST AVE BALTIMORE, MD 21224 | AFLAC | $6 | $0 | $6 | 0.30% |
| SUSAN L MCCLANE3 Filed as: SUSAN MCCLANE | PO BOX 52 HAVRE DE GRACE, MD 21078 | AFLAC | $4 | $0 | $4 | 0.20% |
| WESLEY K JOHNSON II3 | 8 REED CIRCLE RISING SUN, MD 21911 | AFLAC | $3 | $0 | $3 | 0.15% |
| MICHAEL K VOLL JR3 | 3495 GRACE ANN DRIVE VINELAND, NJ 08360 | AFLAC | $3 | $0 | $3 | 0.15% |
| LEILA RAPPAPORT3 | 123 MENDEL CT BEAR, DE 19701 | AFLAC | $3 | $0 | $3 | 0.15% |
| JASON D ELLIS3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $2 | $0 | $2 | 0.10% |
| MICHAEL EDWARD RISKA3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $2 | $0 | $2 | 0.10% |
| KATHLEEN M KONEGAN3 | 3050 HIGHWOODS DR ASTON, PA 19014 | AFLAC | $2 | $0 | $2 | 0.10% |
| MARYANN M MEYERS3 | 6704 PLEASURE AVENUE SUITE B SEA ISLE CITY, NJ 08243 | AFLAC | $2 | $0 | $2 | 0.10% |
| DAVID MORNINGSTAR3 | 11285 DOVEDAL CT FLOOR 2 MARRIOTTSVILLE, MD 21104 | AFLAC | $2 | $0 | $2 | 0.10% |
| AAA CLUB ALLIANCE INC3 | 1 RIVER PL WILMINGTON, DE 19801 | AFLAC | $1 | $0 | $1 | 0.05% |
| RICHARD H TOBIAS3 | 416 W JEFFERSON AVE LINWOOD, NJ 08221 | AFLAC | $1 | $0 | $1 | 0.05% |
| MAIN LINE BENEFIT SOLUTIONS LLC3 Filed as: MAIN LINE BENEFIT SOLUTIONS | 5 GREAT VALLEY PARKWAY STE 100 MALVERN, PA 19355 | AFLAC | $1 | $0 | $1 | 0.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | DOMINION DENTAL SERVICES, INC. | $1K | $0 | $1K | — |
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 | 474 | 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) | 474 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK DELAWARE | 449 | $1.1M |
| Dental | DOMINION DENTAL SERVICES, INC. | 342 | $0 |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 548 | $3K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 474 | $44K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 471 | $8K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 474 | $15K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 474 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 548 | — |
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.