| 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, INC. | $20K | $7K | $27K | 3.97% |
| POTOMAC BASIN GROUP ASSOCIATES LLC5 Filed as: POTOMAC BASIN GROUP ASSOC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | CAREFIRST BLUECHOICE, INC. | $0 | $8K | $8K | 1.24% |
| 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 | $5K | 7.74% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $544 | $0 | $544 | 0.84% |
| EMLYN MARSTELLER IV3 Filed as: EMLYN H MARSTELLER IV | 412 SUGARLAND MEADOW DRIVE HERNDON, VA 20170 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $81 | $1K | 4.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | 12505 PARK POTOMAC AVENUE POTOMAC, MD 20854 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $550 | $0 | $550 | 2.13% |
| JOHN E CUMMINGS3 | 204 QUAYSIDE CIRCLE UNIT 501 MAITLAND, FL 32751 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | $26 | $125 | 0.48% |
| STEPHEN ROSS WEINSTOCK3 | 1101 JOHANNA BAY DRIVE MIDLOTHIAN, VA 23114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | $28 | $124 | 0.48% |
| BENEFITS BY CHOICE3 Filed as: BENEFITS BY CHOICE INC | 401 WESTWOOD OFFICE PK FREDERICKSBURG, VA 22401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $111 | $0 | $111 | 0.43% |
| LILIENFIELD & ASSOCIATES LLC3 | 1100 HIGGINS PLACE ROCKVILLE, MD 20852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $106 | $3 | $109 | 0.42% |
| DURWOOD BOOTH JR3 | 6231 HIGHAM DRIVE ALEXANDRIA, VA 22310 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | $0 | $86 | 0.33% |
| BARBARA BAROS3 Filed as: BARBARA B CARDELLICHIO | 3510 WISTERIA WAY COURT FAIRFAX, VA 22033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | $0 | $67 | 0.26% |
| MARGARET F. GORMAN3 Filed as: MARGARET F GORMAN | 2418 N OTTAWA STREET ARLINGTON, VA 22205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $0 | $34 | 0.13% |
| CHRISTOPHER W ROBERTS3 Filed as: CHRISTOPHER WAYNE ROBERTS | 5624 TRAIL RIDE DRIVE MOSELEY, VA 23120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $3 | $8 | 0.03% |
| DARRYL HYMES3 | 2597 SOUTH HIGHWAY A1A MELBOURNE BEACH, FL 32951 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| KIMBERLY FERGUSON3 | 168 RIDGEWOOD DRIVE OAKLAND, MD 21550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 19.02% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HIGHWAY S BUILDING II, SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $446 | $446 | 2.40% |
| JOHN N SHAER3 | 7537 TARPLEY DRIVE DERWOOD, MD 20855 | AFLAC | $453 | $0 | $453 | 3.31% |
| DAWN M WITTFELT3 | 810 RIVER ROAD SYKESVILLE, MD 21784 | AFLAC | $308 | $0 | $308 | 2.25% |
| BRYAN FISH3 | 4050 CANDLE LIGHT DRIVE DAYTON, MD 21036 | AFLAC | $296 | $0 | $296 | 2.16% |
| MARK D STONER3 | 10170 CAPE ANN DRIVE COLUMBIA, MD 21046 | AFLAC | $177 | $0 | $177 | 1.29% |
| ROGERS BENEFIT GROUP INC3 Filed as: WENDY T ROGERS | 633 SEAN DRIVE ANNAPOLIS, MD 21401 | AFLAC | $173 | $0 | $173 | 1.26% |
| KAREN A STONER3 | 10170 CAPE ANN DRIVE COLUMBIA, MD 21046 | AFLAC | $114 | $0 | $114 | 0.83% |
| BRIAN G JAEGGI3 Filed as: BRIAN G. JAEGGI | 15607 W LILLI WAY VAN NUYS, CA 91406 | AFLAC | $99 | $0 | $99 | 0.72% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $95 | $0 | $95 | 0.69% |
| BRITTON JOHNSON3 Filed as: BRITTON L JOHNSON | 1701 CENTERVIEW DRIVE SUITE 300 LITTLE ROCK, AR 72211 | AFLAC | $89 | $0 | $89 | 0.65% |
| CAROLINE D MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $73 | $0 | $73 | 0.53% |
| DONALD R RAJALA3 | 1802 GREENBLADE COURT BELAIR, MD 21015 | AFLAC | $29 | $0 | $29 | 0.21% |
| JONATHAN P DUNN3 | 9112 ARBOR GLEN LANE CHARLOTTE, NC 28210 | AFLAC | $21 | $0 | $21 | 0.15% |
| JEREMY A FELDMAN3 | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $20 | $0 | $20 | 0.15% |
| MICHAEL C WALKER3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $13 | $0 | $13 | 0.09% |
| BARBARA FISH3 | 638 SIDELING COURT SYKESVILLE, MD 21784 | AFLAC | $11 | $0 | $11 | 0.08% |
| MATTHEW D DIPASQUALE3 | 403 S EAST AVENUE BALTIMORE, MD 21224 | AFLAC | $10 | $0 | $10 | 0.07% |
| SUSAN S STRICKLAND3 | 2194 SUGARLOAF PARKVIEW LANE CLARKSBURG, MD 20871 | AFLAC | $9 | $0 | $9 | 0.07% |
| ALYSON D ROTHBERG3 | 35 BITTLE ROAD LITTLESTOWN, PA 17340 | AFLAC | $7 | $0 | $7 | 0.05% |
| HILARY RADOLEC3 | 4801 FAIRMONT AVENUE APARTMENT 713 BETHESDA, MD 20814 | AFLAC | $6 | $0 | $6 | 0.04% |
| MARK JOHNSTON3 Filed as: MARK A JOHNSTON | 934 SWEENEY DRIVE SUITE 8 HAGERSTOWN, MD 21740 | AFLAC | $5 | $0 | $5 | 0.04% |
| SUSAN E SCOTT3 | 4932 A STREET SE APARTMENT 304 WASHINGTON, DC 20019 | AFLAC | $3 | $0 | $3 | 0.02% |
| FRANCES SHAFFER3 Filed as: FRANCES M SHAFFER | 14025 TOWER ROAD SMITHSBURG, MD 21783 | AFLAC | $3 | $0 | $3 | 0.02% |
| BARBARA FISH3 | 638 SIDELING COURT SYKESVILLE, MD 21784 | AFLAC | $3 | $0 | $3 | 0.02% |
| SUZANNE HERRMANN3 | 618 ELLSWORTH DRIVE SILVER SPRINGS, MD 20910 | AFLAC | $2 | $0 | $2 | 0.01% |
| DREW SKIBITSKY3 | 1000 FELL STREET APARTMENT 627 BALTIMORE, MD 21231 | AFLAC | $2 | $0 | $2 | 0.01% |
| KENNETH B COFER3 | 5950 SYMPHONY WOODS ROAD SUITE 214 COLUMBIA, MD 21044 | AFLAC | $1 | $0 | $1 | 0.01% |
| DANIEL E ALTMIRE3 | 12800 MIDDLEBROOK ROAD SUITE 490 GERMANTOWN, MD 20874 | AFLAC | $1 | $0 | $1 | 0.01% |
| MATTHEW W EVANS3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | 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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 93 | $675K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 200 | $65K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 125 | $19K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 93 | $675K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 34 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.