| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC. | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | CAREFIRST BLUECHOICE | $23K | $9K | $32K | 4.17% |
| POTOMAC BASIN GROUP ASSOCIATES LLC5 Filed as: POTOMAC BASIN GROUP ASSOCIATION LLC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | CAREFIRST BLUECHOICE | $0 | $8K | $8K | 1.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC. | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | DELTA DENTAL OF PENNSYLVANIA | $2K | $0 | $2K | 5.00% |
| JOHN N SHAER3 | 7537 TARPLEY DR DERWOOD, MD 20855 | AFLAC | $904 | $41 | $945 | 4.20% |
| ROGERS BENEFIT GROUP INC3 Filed as: WENDY T ROGERS | 633 SEAN DR ANNAPOLIS, MD 21401 | AFLAC | $858 | $71 | $929 | 4.13% |
| BRYAN FISH3 | 4050 CANDLE LIGHT DR DAYTON, MD 21036 | AFLAC | $548 | $0 | $548 | 2.43% |
| MARK D STONER3 | 10170 CAPE ANN DR COLUMBIA, MD 21046 | AFLAC | $324 | $27 | $351 | 1.56% |
| KAREN A STONER3 | 10170 CAPE ANN DR COLUMBIA, MD 21048 | AFLAC | $185 | $27 | $212 | 0.94% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE CT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $181 | $27 | $208 | 0.92% |
| BRIAN G JAEGGI3 Filed as: BRIAN G. JAEGGI | 5700 CHICOPEE AVE ENCINO, CA 91316 | AFLAC | $201 | $0 | $201 | 0.89% |
| CAROLINE D MORNINGSTAR3 | 11285 DOVEDALE CT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $155 | $0 | $155 | 0.69% |
| CHARLES J DWAILEEBE III3 | 7808 ARBOR GROVE DR APT 407 HANOVER, MD 21076 | AFLAC | $48 | $24 | $72 | 0.32% |
| JONATHAN P DUNN3 | 9112 ARBOR GLEN LN CHARLOTTE, NC 28210 | AFLAC | $62 | $0 | $62 | 0.28% |
| DONALD R RAJALA3 | 5458 DELPHINIUM CT COLUMBIA, MD 21045 | AFLAC | $47 | $0 | $47 | 0.21% |
| RYAN M SIMA3 | 11275 DOVEDALE CT MARRIOTTSVILLE, MD 21104 | AFLAC | $27 | $0 | $27 | 0.12% |
| SUSAN E SCOTT3 | 4932 A ST SE APT 304 WASHINGTON, DC 20019 | AFLAC | $19 | $0 | $19 | 0.08% |
| BARBARA FISH3 | 638 SIDELING COURT SYKESVILLE, MD 21784 | AFLAC | $19 | $0 | $19 | 0.08% |
| SUSAN S STRICKLAND3 | 2194 SUGARLOAF PARKVIEW LN CLARKSBURG, MD 20871 | AFLAC | $15 | $0 | $15 | 0.07% |
| SUZANNE HERRMANN3 | 618 ELLSWORTH DRIVE SILVER SPRINGS, MD 20910 | AFLAC | $11 | $0 | $11 | 0.05% |
| ALYSON D ROTHBERG3 | 35 BITTLE RD LITTLESTOWN, PA 17340 | AFLAC | $11 | $0 | $11 | 0.05% |
| MARK JOHNSTON3 Filed as: MARK A JOHNSTON | 934 SWEENEY DRIVE STE 8 HAGERSTOWN, MD 21740 | AFLAC | $8 | $0 | $8 | 0.04% |
| DANIEL E ALTMIRE3 | 12800 MIDDLEBROOK ROAD STE 490 GERMANTOWN, MD 20874 | AFLAC | $6 | $0 | $6 | 0.03% |
| FRANCES SHAFFER3 Filed as: FRANCES M SHAFFER | 14025 TOWER RD SMITHSBURG, MD 21783 | AFLAC | $5 | $0 | $5 | 0.02% |
| EMILY S ROLLET3 | 832 N 3RD ST APT 4 PHILADELPHIA, PA 19123 | AFLAC | $4 | $0 | $4 | 0.02% |
| KENNETH B COFER3 | 5950 SYMPHONY WOODS RD STE 214 COLUMBIA, MD 21044 | AFLAC | $2 | $0 | $2 | 0.01% |
| MICHAEL C WALKER3 | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $1 | $0 | $1 | 0.00% |
| EMLYN MARSTELLER IV3 Filed as: EMLYN H MARSTELLER IV | 412 SUGARLAND MEADOW DR HERNDON, VA 20170 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $286 | $3K | 12.44% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | 12505 PARK POTOMAC AVE POTOMAC, MD 20854 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 6.82% |
| LILIENFIELD & ASSOCIATES LLC3 | 1100 HIGGINS PLACE ROCKVILLE, MD 20852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $129 | $72 | $201 | 0.99% |
| JOHN E CUMMINGS3 | P.O. BOX 5936 GLEN ALLEN, VA 23058 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $128 | $69 | $197 | 0.97% |
| DURWOOD BOOTH JR3 | 6231 HIGHAM DRIVE ALEXANDRIA, VA 22310 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $125 | $30 | $155 | 0.76% |
| BENEFITS BY CHOICE3 Filed as: BENEFITS BY CHOICE INC | 401 WESTWOOD OFFICE PK FREDERICKSBURG, VA 22401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $154 | $0 | $154 | 0.76% |
| STEPHEN ROSS WEINSTOCK3 | 5920 SUGARBUSH DR RICHMOND, VA 23225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $124 | $2 | $126 | 0.62% |
| BARBARA BAROS3 Filed as: BARBARA B CARDELLICHIO | 3510 WISTERIA WAY COURT FAIRFAX, VA 22033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | $0 | $70 | 0.35% |
| MARGARET F. GORMAN3 Filed as: MARGARET F GORMAN | 2418 N OTTAWA ST ARLINGTON, VA 22205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $0 | $35 | 0.17% |
| DARRYL HYMES3 | 35 E ALL SAINTS ST FREDERICK, MD 21701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.04% |
| BARBARA WILLINGHAM3 | 1214 KELLEY ST SW VIENNA, VA 22180 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| KIMBERLY FERGUSON3 | 4059 LOMAR DRIVE MT AIRY, MD 21771 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $196 | $196 | 1.15% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 89 | $766K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 137 | $49K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 122 | $17K |
| Prescription drug | CAREFIRST BLUECHOICE | 89 | $766K |
| Other(2 contracts, 2 carriers) | AFLAC | 30 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.