| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CFA LLC3 | 1501 SOUTH CLINTON STREET 7TH FLOOR BALTIMORE, MD 21224 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $26K | $26K | 3.04% |
| ALTERITY GROUP3 Filed as: ALTERITY GROUP LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $20K | $20K | 2.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 702 KING FARM BOULEVARD SUITE 210 ROCKVILLE, MD 20850 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $63 | $63 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC. | 6500 ROCK SPRINGS DRIVE, SUITE 500 BETHESDA, MD 20817 | TRANSAMERICA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 9.94% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET, SUITE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 6.33% |
| THOMAS ASSOCIATES LLC3 | 110 DUSTIN LANE NW MADISON, AL 35757 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4064 COLONY ROAD, SUITE 450 CHARLOTTE, NC 28211 | TRANSAMERICA LIFE INSURANCE COMPANY | $245 | $0 | $245 | 0.32% |
| MJ INSURANCE3 Filed as: CAROLYN KINSEY AND VARIOUS AGENTS | 5015 NEW FORGE ROAD PERRYHALL, MD 21128 | TRANSAMERICA LIFE INSURANCE COMPANY | $73 | $0 | $73 | 0.09% |
| TAYLOR D. THOMAS3 Filed as: TAYLOR THOMAS | 1282 SMALLWOOD DRIVE WEST PMB 326 WALDORF, MD 20603 | TRANSAMERICA LIFE INSURANCE COMPANY | $59 | $0 | $59 | 0.08% |
| BRITTANY CARTER3 | 4 BISHOPS LANE CATONSVILLE, MD 21228 | TRANSAMERICA LIFE INSURANCE COMPANY | $55 | $0 | $55 | 0.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE, SUITE 500 BETHESDA, MD 20817 | CONTINENTAL AMERICAN | $2K | $0 | $2K | 4.81% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET, SUITE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN | $1K | $0 | $1K | 3.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD 6TH FLOOR GLENDALE, CA 91203 | CONTINENTAL AMERICAN | $1K | $0 | $1K | 2.53% |
| BEVERLY THOMAS3 | UNKOWN MADISON, AL 35727 | CONTINENTAL AMERICAN | $757 | $0 | $757 | 1.89% |
| MATTHEW D DIPASQUALE3 Filed as: MATTHEW D. DIPASQUALE | 1714 FLEET STREET BALTIMORE, MD 21231 | CONTINENTAL AMERICAN | $465 | $0 | $465 | 1.16% |
| MICHAEL C WALKER3 Filed as: MICHAEL C. WALKER | 203 MARKET STREET, SUITE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN | $354 | $0 | $354 | 0.89% |
| MJ INSURANCE3 Filed as: KAREN DEVINE AND VARIOUS AGENTS | 167 FOOTHILLS DRIVE NELLYSFORD, VA 22958 | CONTINENTAL AMERICAN | $142 | $0 | $142 | 0.36% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST ADMINISTRATORS EIN 52-1187907 NONE | Contract Administrator Service code 13 | — | $8.1M |
| OPERATING ENG LOCAL 37 CLEAR. EIN 52-6039006 OTHER INS EXP | Other insurance fees and expenses Service code 73 | — | $243K |
| GOVERNMENT SERVICE ADMIN. EIN 92-0466827 RECORDKEEPING | Recordkeeping fees Service code 64 | — | $202K |
| CARROT FERTILITY, INC. EIN 81-1995709 INSURANCE AGENT | Insurance services Service code 23 | — | $69K |
| LIVONGO HEALTH, INC. EIN 26-3542036 INSURANCE AGENT | Insurance services Service code 23 | — | $49K |
| ADVENTIST HEALTHCARE EIN 52-1532556 INSURANCE AGENT | Insurance services Service code 23 | — | $11K |
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 | 940 | 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) | 940 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 969 | $251K |
| Vision | VISION SERVICE PLAN | 502 | $38K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 996 | $406K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 996 | $368K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 996 | $368K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,039 | $863K |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 996 | $407K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,039 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.