| 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 | 4.20% |
| 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 | 1.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC. | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $2K | $4K | 7.81% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $162 | $0 | $162 | 0.30% |
| EMLYN MARSTELLER IV3 Filed as: EMLYN H MARSTELLER IV | 412 SUGARLAND MEADOW DR HERNDON, VA 20170 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $144 | $2K | 7.03% |
| 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 | 3.91% |
| LILIENFIELD & ASSOCIATES LLC3 | 1100 HIGGINS PLACE ROCKVILLE, MD 20852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $153 | $51 | $204 | 0.77% |
| JOHN E CUMMINGS3 | 204 QUAYSIDE CIRCLE #501 MAITLAND, FL 32751 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $143 | $52 | $195 | 0.73% |
| STEPHEN ROSS WEINSTOCK3 | 5920 SUGARBUSH DR RICHMOND, VA 23225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $141 | $6 | $147 | 0.55% |
| DURWOOD BOOTH JR3 | 6231 HIGHAM DRIVE ALEXANDRIA, VA 22310 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $123 | $19 | $142 | 0.53% |
| BENEFITS BY CHOICE3 Filed as: BENEFITS BY CHOICE INC | 401 WESTWOOD OFFICE PK FREDERICKSBURG, VA 22401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $139 | $0 | $139 | 0.52% |
| BARBARA BAROS3 Filed as: BARBARA B CARDELLICHIO | 3510 WISTERIA COURT FAIRFAX, VA 22033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | $0 | $73 | 0.27% |
| MARGARET F. GORMAN3 Filed as: MARGARET F GORMAN | 2418 N OTTAWA ST ARLINGTON, VA 22205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | $0 | $37 | 0.14% |
| DARRYL HYMES3 | 35 E ALL SAINTS ST FREDERICK, MD 21701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.02% |
| KIMBERLY FERGUSON3 | 4059 LOMAR DRIVE MT AIRY, MD 21771 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| TMG INSURANCE SERVICES INC3 | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 12.95% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $233 | $233 | 1.40% |
| BRYAN FISH3 | 4050 CANDLE LIGHT DR DAYTON, MD 21036 | AFLAC | $286 | $5 | $291 | 1.99% |
| JOHN N SHAER3 | 7537 TARPLEY DR DERWOOD, MD 20855 | AFLAC | $228 | $8 | $236 | 1.61% |
| ROGERS BENEFIT GROUP INC3 Filed as: WENDY T ROGERS | 633 SEAN DR ANNAPOLIS, MD 21401 | AFLAC | $194 | $19 | $213 | 1.46% |
| MARK D STONER3 | 10170 CAPE ANN DR COLUMBIA, MD 21046 | AFLAC | $126 | $5 | $131 | 0.90% |
| KAREN A STONER3 | 10170 CAPE ANN DR COLUMBIA, MD 21046 | AFLAC | $120 | $0 | $120 | 0.82% |
| BRIAN G JAEGGI3 Filed as: BRIAN G. JAEGGI | 5700 CHICOPEE AVE ENCINO, CA 91316 | AFLAC | $117 | $0 | $117 | 0.80% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE CT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $108 | $0 | $108 | 0.74% |
| CAROLINE D MORNINGSTAR3 | 11285 DOVEDALE CT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $87 | $0 | $87 | 0.59% |
| JONATHAN P DUNN3 | 9112 ARBOR GLEN LN CHARLOTTE, NC 28210 | AFLAC | $26 | $0 | $26 | 0.18% |
| DONALD R RAJALA3 | 5458 DELPHINIUM CT COLUMBIA, MD 21045 | AFLAC | $22 | $0 | $22 | 0.15% |
| JEREMY A FELDMAN3 | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $19 | $0 | $19 | 0.13% |
| SUSAN E SCOTT3 | 4932 A ST SE APT 304 WASHINGTON, DC 20019 | AFLAC | $15 | $0 | $15 | 0.10% |
| DONALD R RAJALA3 | 5458 DELPHINIUM CT COLUMBIA, MD 21045 | AFLAC | $15 | $0 | $15 | 0.10% |
| BARBARA FISH3 | 638 SIDELING COURT SYKESVILLE, MD 21784 | AFLAC | $14 | $0 | $14 | 0.10% |
| SUSAN S STRICKLAND3 | 2194 SUGARLOAF PARKVIEW LN CLARKSBURG, MD 20871 | AFLAC | $12 | $0 | $12 | 0.08% |
| SUZANNE HERRMANN3 | 618 ELLSWORTH DRIVE SILVER SPRINGS, MD 20910 | AFLAC | $8 | $0 | $8 | 0.05% |
| ALYSON D ROTHBERG3 | 35 BITTLE RD LITTLESTOWN, PA 17340 | AFLAC | $8 | $0 | $8 | 0.05% |
| RYAN M SIMA3 | 11275 DOVEDALE CT MARRIOTTSVILLE, MD 21104 | AFLAC | $6 | $0 | $6 | 0.04% |
| HILARY RADOLEC3 | 4801 FAIRMONT AVE APT 713 BETHESDA, MD 20814 | AFLAC | $5 | $0 | $5 | 0.03% |
| MARK JOHNSTON3 Filed as: MARK A JOHNSTON | 934 SWEENEY DRIVE STE 8 HAGERSTOWN, MD 21740 | AFLAC | $4 | $0 | $4 | 0.03% |
| DANIEL E ALTMIRE3 | 12800 MIDDLEBROOK ROAD STE 490 GERMANTOWN, MD 20874 | AFLAC | $4 | $0 | $4 | 0.03% |
| FRANCES SHAFFER3 Filed as: FRANCES M SHAFFER | 14025 TOWER RD SMITHSBURG, MD 21783 | AFLAC | $4 | $0 | $4 | 0.03% |
| EMILY S ROLLET3 | 1218 N 30TH STREET PHILADELPHIA, PA 19121 | AFLAC | $3 | $0 | $3 | 0.02% |
| MARK JOHNSTON3 Filed as: MARK A JOHNSTON | 934 SWEENEY DR STE 8 HAGERSTOWN, MD 21740 | AFLAC | $2 | $0 | $2 | 0.01% |
| KENNETH B COFER3 | 5950 SYMPHONY WOODS RD STE 214 COLUMBIA, MD 21044 | AFLAC | $1 | $0 | $1 | 0.01% |
| MICHAEL C WALKER3 | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $1 | $0 | $1 | 0.01% |
| EDWIN VEGA3 | 134 PINECOVE AVE ODENTON, MD 21113 | AFLAC | $1 | $0 | $1 | 0.01% |
| KELLY LYNN FELDMAN3 | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $1 | $0 | $1 | 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 | 104 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 138 | $770K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 193 | $53K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 104 | $17K |
| Prescription drug | CAREFIRST BLUECHOICE | 138 | $770K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 37 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.