| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $27K | $500 | $27K | 3.28% |
| EMLYN MARSTELLER IV3 Filed as: EMLYN H MARSTELLER IV | 412 SUGARLAND MEADOW DRIVE HERNDON, VA 20170 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $103 | $2K | 6.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | 12505 PARK POTOMAC AVENUE POTOMAC, MD 20854 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $438 | $0 | $438 | 1.80% |
| MULLANEY ENTERPRISES LLC3 | 5850 WATERLOO RD COLUMBIA, MD 21043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $190 | $97 | $287 | 1.18% |
| DURWOOD BOOTH JR3 | 6231 HIGHAM DRIVE ALEXANDRIA, VA 22310 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $102 | $0 | $102 | 0.42% |
| BENEFITS BY CHOICE3 Filed as: BENEFITS BY CHOICE INC | 401 WESTWOOD OFFICE PK FREDERICKSBURG, VA 22401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | $0 | $86 | 0.35% |
| BARBARA BAROS3 Filed as: BARBARA B CARDELLICHIO | 3510 WISTERIA WAY COURT FAIRFAX, VA 22033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | $0 | $60 | 0.25% |
| LILIENFIELD & ASSOCIATES LLC3 | 1100 HIGGINS PLACE ROCKVILLE, MD 20852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | $0 | $52 | 0.21% |
| STEPHEN ROSS WEINSTOCK3 | 1821 MACTAVISH AVE RICHMOND, VA 23230 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | $1 | $49 | 0.20% |
| JOHN E CUMMINGS3 | 204 QUAYSIDE CIRCLE UNIT 501 MAITLAND, FL 32751 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | $0 | $48 | 0.20% |
| MARGARET F. GORMAN3 Filed as: MARGARET F GORMAN | 2418 N OTTAWA STREET ARLINGTON, VA 22205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $0 | $30 | 0.12% |
| 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 | 18.58% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY S BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $224 | $224 | 1.07% |
| JOHN N SHAER3 | 7537 TARPLEY DRIVE DERWOOD, MD 20855 | AFLAC | $577 | $6 | $583 | 3.61% |
| DAWN M WITTFELT3 | 810 RIVER ROAD SYKESVILLE, MD 21784 | AFLAC | $500 | $15 | $515 | 3.19% |
| BRYAN FISH3 | 4050 CANDLE LIGHT DRIVE DAYTON, MD 21036 | AFLAC | $382 | $3 | $385 | 2.38% |
| MARK D STONER3 | 10170 CAPE ANN DRIVE COLUMBIA, MD 21046 | AFLAC | $214 | $3 | $217 | 1.34% |
| KAREN A STONER3 | 10170 CAPE ANN DRIVE COLUMBIA, MD 21046 | AFLAC | $135 | $0 | $135 | 0.84% |
| BRIAN G JAEGGI3 Filed as: BRIAN G. JAEGGI | 15607 W LILLI WAY VAN NUYS, CA 91406 | AFLAC | $115 | $0 | $115 | 0.71% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $113 | $0 | $113 | 0.70% |
| ROGERS BENEFIT GROUP INC3 Filed as: WENDY T ROGERS | 633 SEAN DRIVE ANNAPOLIS, MD 21401 | AFLAC | $103 | $0 | $103 | 0.64% |
| CAROLINE D MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $89 | $0 | $89 | 0.55% |
| BRITTON JOHNSON3 Filed as: BRITTON L JOHNSON | 1701 CENTERVIEW DRIVE SUITE 300 LITTLE ROCK, AR 72211 | AFLAC | $44 | $0 | $44 | 0.27% |
| JONATHAN P DUNN3 | 3337 TWIN RIDGE ROAD CHARLOTTE, NC 28210 | AFLAC | $27 | $0 | $27 | 0.17% |
| JEREMY A FELDMAN3 | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $23 | $0 | $23 | 0.14% |
| BARBARA FISH3 | 638 SIDELING COURT SYKESVILLE, MD 21784 | AFLAC | $19 | $0 | $19 | 0.12% |
| DREW SKIBITSKY3 | 1000 FELL STREET APARTMENT 627 BALTIMORE, MD 21231 | AFLAC | $12 | $1 | $13 | 0.08% |
| MATTHEW W EVANS3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $8 | $1 | $9 | 0.06% |
| HILARY RADOLEC3 | 4801 FAIRMONT AVENUE APARTMENT 713 BETHESDA, MD 20814 | AFLAC | $8 | $0 | $8 | 0.05% |
| MICHAEL C WALKER3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $5 | $0 | $5 | 0.03% |
| MATTHEW D DIPASQUALE3 | 403 S EAST AVENUE BALTIMORE, MD 21224 | AFLAC | $5 | $0 | $5 | 0.03% |
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 | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 187 | $830K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 187 | $830K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 187 | $830K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 133 | $21K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 187 | $830K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 28 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.