| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL EDWARD RISKA3 | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $10K | $2K | $12K | 8.98% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC. | 80 S 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | AFLAC | $11K | $0 | $11K | 7.69% |
| MICHAEL C WALKER3 | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $7K | $750 | $8K | 5.92% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID-ATLANTIC BENEFIT GROUP LLC | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $8K | $0 | $8K | 5.60% |
| THOMAS ASSOCIATES LLC3 | 2801 SCENIC MEADOW ST WALDORF, MD 20603 | AFLAC | $3K | $342 | $4K | 2.71% |
| TAYLOR D. THOMAS3 Filed as: TAYLOR D THOMAS | 2801 SCENIC MEADOW ST WALDORF, MD 20603 | AFLAC | $4K | $50 | $4K | 2.69% |
| DAVID MORNINGSTAR3 Filed as: DAVID MORNININGSTAR | 11285 DOVERDALE CT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $3K | $750 | $3K | 2.41% |
| LISA M GROOM3 | 4 REVELSTONE DR NEWARK, DE 19711 | AFLAC | $2K | $634 | $3K | 2.06% |
| SUSAN L MCCLANE3 | PO BOX 52 HAVRE DE GRACE, MD 21078 | AFLAC | $2K | $579 | $3K | 1.94% |
| MATTHEW D DIPASQUALE3 | 403 S EAST AVE BALTIMORE, MD 21224 | AFLAC | $1K | $394 | $2K | 1.31% |
| THOMAS B SCOTT3 | 1295 MONROE STREET HERNDON, VA 20170 | AFLAC | $678 | $190 | $868 | 0.63% |
| WESLEY K JOHNSON II3 | 8 REED CIRCLE RISING SUN, MD 21911 | AFLAC | $619 | $131 | $750 | 0.55% |
| MAUREEN SIBOLD3 | 9017 RED BANCH RD STE 201 COLUMBIA, MD 21045 | AFLAC | $323 | $0 | $323 | 0.24% |
| JENNIFER D EBAUGH3 | 1670 MOHEGAN DR UNIT D HAVRE DE GRACE, MD 21078 | AFLAC | $181 | $0 | $181 | 0.13% |
| BRIAN G JAEGGI3 | 5112 TOPANGA CANYON BLVD WOODLAND HILLS, CA 91364 | AFLAC | $143 | $0 | $143 | 0.10% |
| JASON ALLAN BARE3 | 203 MARKET STREET STE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $129 | $0 | $129 | 0.09% |
| IRINA LESNYKH3 | 5112 TOPANGA CANYON BLVD APT 427 WOODLAND HILLS, CA 91364 | AFLAC | $104 | $0 | $104 | 0.08% |
| KAREN A DEVINE3 | 21071 LARKSPUR COURT LEONARDTOWN, MD 20650 | AFLAC | $37 | $0 | $37 | 0.03% |
| LEROY L. ALEXANDER BENONS3 Filed as: LEROY L ALEXANDER BENONS | 11106 SUPERIOR LANDING BOWIE, MD 20720 | AFLAC | $13 | $0 | $13 | 0.01% |
| MICHAEL G CAMPBELL3 | 3007 OLD ANNAPOLIS TRL FREDERICK, MD 21701 | AFLAC | $13 | $0 | $13 | 0.01% |
| SABRINA BUSH3 | P.O. BOX 6053 COLUMBIA, MD 21045 | AFLAC | $10 | $0 | $10 | 0.01% |
| MOIRA C WELLER3 | 7750 A KEMP LANE FREDERICK, MD 21702 | AFLAC | $9 | $0 | $9 | 0.01% |
| LAUREN RANDALL3 | 403 CLEARFIELD PL CAPITAL HEIGHTS, MD 20743 | AFLAC | $8 | $0 | $8 | 0.01% |
| GWEN MARIE A DAVIS3 | 7749 VALLEY OAK DRIVE ELKRIDGE, MD 21075 | AFLAC | $7 | $0 | $7 | 0.01% |
| WILLIAM R. HICKS3 Filed as: WILLIAM R HICKS | 7749 VALLEY OAK DRIVE ELKRIDGE, MD 21075 | AFLAC | $5 | $0 | $5 | 0.00% |
| EDWIN VEGA3 | 134 PINECONE AVE ODENTON, MD 21113 | AFLAC | $5 | $0 | $5 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP, INC. | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $7K | $7K | 5.65% |
| TMG INSURANCE SERVICES INC3 Filed as: TMG INSURANCE SERVICES INC. | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $0 | $12K | 10.00% |
| TMG INSURANCE SERVICES INC3 Filed as: TMG INSURANCE SERVICES, INC. | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.00% |
| METLZER GROUP INC3 Filed as: METLZER GROUP INC. | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $3K | $3K | 4.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC. | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 3.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC. | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 4.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC. | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $691 | $691 | 5.64% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST ADMINISTRATORS EIN 52-1187907 NONE | Contract Administrator Service code 13 | 1501 S. CLINTON STREET 7TH FLOOR BALTIMORE, MD 21224 | $2.5M |
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 | 1,007 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 43 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,055 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,381 | $202K |
| Life insurance(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 621 | $191K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 112 | $35K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 371 | $63K |
| Other(3 contracts, 2 carriers) | AFLAC | 621 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,381 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.