| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 0.74% |
| THOMAS ASSOCIATES LLC3 | 2801 SCENIC MEADOW ST. WALDORF, MD 20603 | AFLAC | $17K | $848 | $17K | 8.68% |
| MICHAEL C WALKER3 Filed as: MICHAEL C. WALKER | 203 MARKET ST. STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $10K | $378 | $11K | 5.32% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID-ATLANTIC BENEFIT GROUP LLC | 203 MARKET ST STE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $5K | — | $5K | 2.29% |
| MICHAEL EDWARD RISKA3 | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $4K | $134 | $5K | 2.26% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC. | 80 S. 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | AFLAC | $1K | — | $1K | 0.52% |
| JASON ALLAN BARE3 | 203 MARKET STREET STE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $729 | $36 | $765 | 0.38% |
| BRITTANY CARTER3 | PO BOX 217 BENSON, MD 21018 | AFLAC | $732 | — | $732 | 0.36% |
| CAROLYN KINSEY3 | 9132 AVENUE C SPARROWS POINT, MD 21219 | AFLAC | $700 | $3 | $703 | 0.35% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | AFLAC | $348 | — | $348 | 0.17% |
| JOHN J REITH3 | 7010 HOMELAND CT PRINCE FREDERICK, MD 20678 | AFLAC | $320 | — | $320 | 0.16% |
| LISA M GROOM3 | 4 REVELSTONE DR NEWARK, DE 19711 | AFLAC | $252 | — | $252 | 0.13% |
| SUSAN L MCCLANE3 Filed as: SUSAN L. MCCLANE | 14 MCMULLENS WHARF PERRYVILLE, MD 21903 | AFLAC | $198 | — | $198 | 0.10% |
| MATTHEW D DIPASQUALE3 Filed as: MATTHEW D. DIPASQUALE | 603 WESTBURY RD FALLSTON, MD 21047 | AFLAC | $181 | — | $181 | 0.09% |
| MAUREEN SIBOLD3 | 9017 RED BRANCH RD STE 201 COLUMBIA, MD 21045 | AFLAC | $166 | — | $166 | 0.08% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: RICHARD B SILBERSTEIN | 2850 QUARRY LAKE DR STE 303 BALTIMORE, MD 21209 | AFLAC | $153 | — | $153 | 0.08% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $147 | — | $147 | 0.07% |
| TAYLOR D. THOMAS3 | 2801 SCENIC MEADOW ST WALDORF, MD 20603 | AFLAC | $121 | — | $121 | 0.06% |
| JEREMY A FELDMAN3 Filed as: JEREMY A. FELDMAN | 12391 HIDDEN BAY DR BERLIN, MD 21811 | AFLAC | $107 | — | $107 | 0.05% |
| WESLEY K JOHNSON II3 Filed as: WESLEY K. JOHNSON II | 8 REED CIRCLE RISING SUN, MD 21911 | AFLAC | $98 | — | $98 | 0.05% |
| THOMAS B SCOTT3 Filed as: THOMAS B. SCOTT | 1295 MONROE STREET HERNDON, VA 20170 | AFLAC | $96 | — | $96 | 0.05% |
| HILARY RADOLEC3 | 165 CROSSBOW LN GAITHERSBURG, MD 20878 | AFLAC | $96 | — | $96 | 0.05% |
| BRIAN G JAEGGI3 Filed as: BRIAN G. JAEGGI | 15607 W LILLI WAY VAN NUYS, CA 91406 | AFLAC | $88 | — | $88 | 0.04% |
| ERIK LIDUMS3 | PO BOX 128 PERRYVILLE, MD 21903 | AFLAC | $85 | — | $85 | 0.04% |
| KAREN A DEVINE3 | 46965 CAMEO LN APT 404 LEXINGTON PARK, MD 20653 | AFLAC | $70 | — | $70 | 0.03% |
| GOLDEN & COHENLLC3 | 6500 ROCK SPRING DR STE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $30 | — | $30 | 0.01% |
| HMS INSURANCE ASSOCIATES INC3 Filed as: HMS INS ASSOCIATES INC | 20 WIGHT AVE STE 100 HUNT VALLEY, MD 21030 | AFLAC | $30 | — | $30 | 0.01% |
| RICHIE R SEBENIECHER3 | 11 CHARLCOTE PL BALTIMORE, MD 21218 | AFLAC | $27 | — | $27 | 0.01% |
| HALTEN MANAGEMENT SVCS (US) LLC3 | 15607 W LILLI WAY VAN NUYS, CA 91406 | AFLAC | $23 | — | $23 | 0.01% |
| JORDAN A PURCELL3 Filed as: JORDAN A. PURCELL | 72 E ELLENDALE ST BEL AIR, MD 21014 | AFLAC | $15 | — | $15 | 0.01% |
| JENNIFER D EBAUGH3 Filed as: JENNIFER DANIELLE EBAUGH | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $13 | — | $13 | 0.01% |
| MICHAEL G CAMPBELL3 Filed as: MICHAEL G. CAMPBELL | 3007 OLD ANNAPOLIS TRL. FREDERICK, MD 21701 | AFLAC | $13 | — | $13 | 0.01% |
| EDWIN VEGA3 | 134 PINECOVE AVE ODENTON, MD 21113 | AFLAC | $13 | — | $13 | 0.01% |
| SABRINA BUSH3 | PO BOX 15133 PIKESVILLE, MD 21282 | AFLAC | $12 | — | $12 | 0.01% |
| JASON D ELLIS3 | 203 MARKET ST STE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $12 | — | $12 | 0.01% |
| MOIRA C WELLER3 Filed as: MOIRA C. WELLER | 7750 A KEMP LANE FREDERICK, MD 21702 | AFLAC | $11 | — | $11 | 0.01% |
| LAUREN RANDALL3 | 403 CLEARFIELD PL CAPITOL HEIGHTS, MD 20743 | AFLAC | $10 | — | $10 | 0.00% |
| KELLY LYNN FELDMAN3 | 12391 HIDDEN BAY DR BERLIN, MD 21811 | AFLAC | $7 | — | $7 | 0.00% |
| GWEN MARIE A DAVIS3 Filed as: GWEN MARIE A. DAVIS | 7749 VALLEY OAK DRIVE ELKRIDGE, MD 21075 | AFLAC | $5 | — | $5 | 0.00% |
| LEROY L. ALEXANDER BENONS3 | 11106 SUPERIOR LANDING BOWIE, MD 20720 | AFLAC | $4 | — | $4 | 0.00% |
| EUGEAN VANHORN3 | 201 PROFESSIONAL DR FAITHERSBURG, MD 20879 | AFLAC | $4 | — | $4 | 0.00% |
| WILLIAM R. HICKS3 | 7749 VALLEY OAK DRIVE ELKRIDGE, MD 21075 | AFLAC | $2 | — | $2 | 0.00% |
| DALE SHADDOCK3 | 8927 MAYFLOWER RD ROSEDALE, MD 21237 | AFLAC | $1 | — | $1 | 0.00% |
| JEFFREY D HARNED3 Filed as: JEFFREY XAVER | PO BOX 809 LELAND, MI 49654 | AFLAC | $1 | — | $1 | 0.00% |
| POTOMAC BASIN GROUP ASSOCIATES LLC5 Filed as: POTOMAC BASIN GROUP ASSOC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | GHMSI | — | $4K | $4K | 5.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | GHMSI | — | $3K | $3K | 4.44% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST ADMINISTRATORS EIN 52-1187907 NONE | Contract Administrator Service code 13 | — | $2.7M |
| SUNLIFE FINANCIAL EIN 38-1082080 NONE | Other services Service code 49 | — | $941K |
| THE MELTZER GROUP EIN 52-1658844 NONE | Insurance agents and brokers Service code 22 | — | $136K |
| HEALTHSPARQ NONE | Other services Service code 49 | 100 SW MARKET ST. M/S WW3-31 PORTLAND, OR 97201 | $6K |
| CONIFER HEALTH EIN 23-1728483 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $4K |
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 | 1,198 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 1,410 | $68K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,485 | $702K |
| Vision(2 contracts, 2 carriers) | GHMSI | 1,410 | $138K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,485 | $634K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,485 | $634K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,485 | $634K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,485 | $916K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,485 | — |
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.