| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. FINANCIAL SER. | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 75251 | AETNA HEALTH, INC. | $15K | — | $15K | 1.50% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. FINANCIAL SER. | 4851 LBJ FREEWAY SUITE 100 DALLAS, TX 75244 | AETNA HEALTH, INC. | $5K | — | $5K | 0.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | AETNA HEALTH, INC. | — | $2K | $2K | 0.22% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FINANCIAL SERVICE | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 75251 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 3.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | AETNA LIFE INSURANCE CO. | $1K | — | $1K | 2.45% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FINANCIAL SER | 4851 LBJ FREEWAY SUITE 100 DALLAS, TX 75244 | AETNA LIFE INSURANCE CO. | $466 | — | $466 | 1.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC. | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 9.90% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.16% |
| LAURA A FREW3 Filed as: LAURA A. FREW | 13510 ALLISTON DRIVE BALDWIN, MD 21013 | TRANSAMERICA LIFE INSURANCE COMPANY | $634 | — | $634 | 1.82% |
| SUSAN L MCCLANE3 Filed as: SUSAN L. MCCLANE | 230 WEST CLAIBORNE ROAD APT. 201 NORTH EAST, MD 21901 | TRANSAMERICA LIFE INSURANCE COMPANY | $536 | — | $536 | 1.54% |
| ROBERT L SONKEN3 Filed as: ROBERT L. SONKEN | 15925 GREEN MEADOW ROAD DARNESTOWN, MD 20878 | TRANSAMERICA LIFE INSURANCE COMPANY | $461 | — | $461 | 1.32% |
| WESLEY K JOHNSON II3 Filed as: WESLEY K. JOHNSON II | 8 REED CIRCLE RISING SUN, MD 21911 | TRANSAMERICA LIFE INSURANCE COMPANY | $369 | — | $369 | 1.06% |
| RAYMOND ADLER3 | 20 MORGAN DRIVE APT. 37 LEBANON, NH 03766 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 12.63% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE MARYLAND | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 212865460 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $722 | $722 | 7.88% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | UNITEDHEALTHCARE INSURANCE COMPANY | $221 | — | $221 | 2.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 208171149 | UNITEDHEALTHCARE INSURANCE COMPANY | -$51 | $188 | $137 | 1.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC. | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 12.37% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMINISTRATIVE SERV | 501 FAIRMOUNT AVENUE 400 TOWSON, MD 21286 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $261 | $261 | 3.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BUILDING 2 SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $134 | $134 | 1.54% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $61 | — | $61 | 0.70% |
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 | 287 | 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) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA HEALTH, INC. | 159 | $975K |
| Dental | AETNA LIFE INSURANCE CO. | 194 | $41K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 219 | $9K |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 111 | $45K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 16 | $9K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 111 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.