| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HERITAGE BENEFITS LLC3 | 307 INTERNATIONAL CIRCLE SUITE 390 HUNT VALLEY, MD 21030 | HIGHMARK DELAWARE | $151K | $0 | $151K | 1.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | DOMINION DENTAL SERVICES, INC. | $18K | $0 | $18K | 5.98% |
| 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 | $33K | $8K | $41K | 27.48% |
| EBSME LLC3 | 4704 DE INVIERNO WAY MOUNT AIRY, NC 21771 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $4K | $8K | 5.39% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY SUITE 600 AUSTIN, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.02% |
| 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 | $14K | $7K | $21K | 16.12% |
| EBMSE LLC3 | 4704 DE INVIERNO WAY MOUNT AIRY, NC 21771 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $5K | $7K | 5.30% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY SUITE 600 AUSTIN, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.07% |
| 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 | $10K | $5K | $15K | 15.95% |
| EBSME LLC3 | 4704 DE INVIERNO WAY MOUNT AIRY, NC 21771 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $4K | $5K | 5.26% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY SUITE 600 AUSTIN, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $951 | $951 | 1.04% |
| 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 | $3K | $8K | 16.34% |
| EBSME LLC3 | 4704 DE INVIERNO WAY MOUNT AIRY, NC 21771 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $599 | $2K | $3K | 5.34% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY SUITE 600 AUSTIN, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $525 | $525 | 1.11% |
| UNDISCLOSED BROKER3 | — | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | $0 | $5K | 11.43% |
| WILLIAM FRANKLIN SPOTTS3 | 307 INTERNATIONAL CIRCLE SUITE 390 HUNT VALLEY, MD 21030 | AFLAC | $1K | $0 | $1K | 4.64% |
| JASON D ELLIS3 Filed as: JASON ALLEN BARE | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $871 | $12 | $883 | 3.45% |
| LISA M GROOM3 | 4 REVELSTONE DRIVE NEWARK, DE 19711 | AFLAC | $670 | $59 | $729 | 2.85% |
| MICHAEL C WALKER3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $314 | $12 | $326 | 1.28% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFITS GROUP, LLC | 203 MARKET STREET, SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $301 | $0 | $301 | 1.18% |
| STEPHEN J SALAMON3 Filed as: STEPHEN SALAMON | PO BOX 4252 TIMONIUM, MD 21094 | AFLAC | $204 | $0 | $204 | 0.80% |
| AUTUMN STROHMAIER3 | 176 S SHORE RD ELKTON, MD 21921 | AFLAC | $129 | $0 | $129 | 0.50% |
| JULIA M SALAMON3 | PO BOX 4252 TIMONIUM, MD 21094 | AFLAC | $89 | $0 | $89 | 0.35% |
| MATTHEW D DIPASQUALE3 | 603 WESTBURY ROAD FALLSTON, MD 21094 | AFLAC | $60 | $0 | $60 | 0.23% |
| SUSAN L MCCLANE3 | 14 MCMULLENS WHARF PERRYVILLE, MD 21903 | AFLAC | $50 | $0 | $50 | 0.20% |
| WESLEY K JOHNSON II3 | 8 REED CIRCLE RISING SUN, MD 21911 | AFLAC | $33 | $0 | $33 | 0.13% |
| MICHAEL K VOLL JR3 | 3495 GRACE ANN DRIVE VINELAND, NJ 08360 | AFLAC | $33 | $0 | $33 | 0.13% |
| LEILA RAPPAPORT3 | 116 LAKS DRIVE MIDDLETON, DE 19709 | AFLAC | $32 | $0 | $32 | 0.13% |
| KATHLEEN M KONEGAN3 | 3050 HIGHWOODS DR ASTON, PA 19014 | AFLAC | $29 | $0 | $29 | 0.11% |
| MARYANN M MEYERS3 | 6704 PLEASURE AVENUE SUITE B SEA ISLE CITY, NJ 08243 | AFLAC | $29 | $0 | $29 | 0.11% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DRIVE ELLICOTT CITY, MD 21042 | AFLAC | $26 | $0 | $26 | 0.10% |
| JASON D ELLIS3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $23 | $0 | $23 | 0.09% |
| MICHAEL EDWARD RISKA3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $23 | $0 | $23 | 0.09% |
| AAA CLUB ALLIANCE INC3 | 1 RIVER PL WILMINGTON, DE 19801 | AFLAC | $14 | $0 | $14 | 0.05% |
| 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 | 5 GREAT VALLEY PARKWAY STE 100 MALVERN, PA 19355 | AFLAC | $12 | $0 | $12 | 0.05% |
| THOMAS J POPPERT3 | 1167 W BALTIMORE PIKE 239 MEDIA, PA 19063 | AFLAC | $6 | $0 | $6 | 0.02% |
| HILARY RADOLEC3 | 4801 FAIRMONT AVENUE APT 713 BETHESDA, MD 20814 | AFLAC | $5 | $0 | $5 | 0.02% |
| JEREMY A FELDMAN3 | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $5 | $0 | $5 | 0.02% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $4 | $0 | $4 | 0.02% |
| JORDAN A PURCELL3 | 72 E ELLENDALE STREET BEL AIR, MD 21014 | AFLAC | $4 | $0 | $4 | 0.02% |
| 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 | 481 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 493 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK DELAWARE | 489 | $8.1M |
| Dental | DOMINION DENTAL SERVICES, INC. | 349 | $306K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 578 | $42K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 481 | $277K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 480 | $47K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 481 | $92K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 481 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 578 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.