| 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 | $32K | $63K | $95K | 9.51% |
| 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 | 18.40% |
| DAWN M WITTFELT3 | 810 RIVER ROAD SYKESVILLE, MD 21784 | AFLAC | $581 | $34 | $615 | 3.98% |
| JOHN N SHAER3 | 7537 TARPLEY DRIVE DERWOOD, MD 20855 | AFLAC | $518 | $14 | $532 | 3.44% |
| BRYAN FISH3 | 4050 CANDLE LIGHT DRIVE DAYTON, MD 21036 | AFLAC | $380 | $10 | $390 | 2.52% |
| MARK D STONER3 | 10170 CAPE ANN DRIVE COLUMBIA, MD 21046 | AFLAC | $252 | $10 | $262 | 1.70% |
| KAREN A STONER3 | 10170 CAPE ANN DRIVE COLUMBIA, MD 21046 | AFLAC | $94 | $0 | $94 | 0.61% |
| BRIAN G JAEGGI3 Filed as: BRIAN G. JAEGGI | 15607 W LILLI WAY VAN NUYS, CA 91406 | AFLAC | $90 | $0 | $90 | 0.58% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DRIVE 2ND FLOOR ELLICOTT CITY, MD 21042 | AFLAC | $87 | $0 | $87 | 0.56% |
| CAROLINE D MORNINGSTAR3 | 4281 BUCKSKIN WOOD DRIVE ELLICOTT CITY, MD 21042 | AFLAC | $68 | $0 | $68 | 0.44% |
| MARK BASSIE3 | 305 CAPITAL LN FOREST, VA 24551 | AFLAC | $52 | $11 | $63 | 0.41% |
| ROGERS BENEFIT GROUP INC3 Filed as: WENDY T ROGERS | 633 SEAN DRIVE ANNAPOLIS, MD 21401 | AFLAC | $62 | $0 | $62 | 0.40% |
| JONATHAN P DUNN3 | 3337 TWIN RIDGE ROAD CHARLOTTE, NC 28210 | AFLAC | $25 | $0 | $25 | 0.16% |
| JEREMY A FELDMAN3 | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $18 | $0 | $18 | 0.12% |
| BARBARA FISH3 | 3702 CATTAIL GREENS CT GLENWOOD, MD 21738 | AFLAC | $17 | $0 | $17 | 0.11% |
| JACQUELYNN HENDRIX3 | 3229 DOWNING DR LYNCHBURG, VA 24503 | AFLAC | $13 | $2 | $15 | 0.10% |
| LEWIS PAUL GILES3 | PO BOX 39 RINGGOLD, VA 24586 | AFLAC | $7 | $2 | $9 | 0.06% |
| RUTH P YOUNG3 | 677 BERKMAR CT CHARLOTTESVILLE, VA 22901 | AFLAC | $7 | $0 | $7 | 0.05% |
| JOHN W WATSON3 | 147 MALLARD LN LYNCHBURG, VA 24502 | AFLAC | $7 | $0 | $7 | 0.05% |
| HILLARY B RADOLEC3 Filed as: HILLARY RADOLEC | 4801 FAIRMONT AVENUE APT 713 BETHESDA, MD 20814 | AFLAC | $5 | $0 | $5 | 0.03% |
| DREW SKIBITSKY3 | 1000 FELL ST APT 627 BALTIMORE, MD 21231 | AFLAC | $3 | $0 | $3 | 0.02% |
| DREW SKIBITSKY3 | 1344 ASHTON RD STE 200 HANOVER, MD 21076 | AFLAC | $3 | $0 | $3 | 0.02% |
| MATTHEW W EVANS3 | 1344 ASHTON RD STE 200 HANOVER, MD 21076 | AFLAC | $3 | $0 | $3 | 0.02% |
| RODNEY JAMES SONNENBERG3 | 432 AMORY ST FOND DU LAC, WI 54935 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $813 | $58 | $871 | 45.65% |
| CAMERON SUTTON ROBERTS3 | N9404 ROSELLA DR APPLETON, WI 54915 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $128 | $47 | $175 | 9.17% |
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 | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 195 | $1.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 195 | $1.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 195 | $1.0M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 128 | $22K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 195 | $1.0M |
| Other(2 contracts, 2 carriers) | AFLAC | 14 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.