| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHERI HERSCHMAN3 | 702 KING FARM BOULEVARD, SUITE 210 ROCKVILLE, MD 20850 | ALL SAVERS INSURANCE COMPANY | $4K | $0 | $4K | 0.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | UMR, INC. | $108K | $0 | $108K | 24.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 702 KING FARM BOULEVARD, SUITE 210 ROCKVILLE, MD 20850 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $107 | $107 | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 111 VETERANS BOULEVARD, SUITE 1130 METAIRIE, LA 70005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34K | $0 | $34K | 15.60% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFITS GROUP, LLC | 203 MARKET STREET, SUITE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | $0 | $12K | 5.46% |
| MJ INSURANCE3 Filed as: JASON A. BARE AND VARIOUS AGENTS | 203 MARKET STREET, SUITE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 4.14% |
| MICHAEL C WALKER3 Filed as: MICHAEL C. WALKER | 203 MARKET STREET, SUITE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 3.36% |
| JOHN J REITH3 Filed as: JOHN J. REITH | 7010 HOMELAND COURT PRINCE FREDERICK, MD 20678 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 1.41% |
| RANDY S SCHWARTZ3 Filed as: RANDY SCOTT SCHWARTZ | 2015 BRODIE STEET WAUKEE, IA 50263 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.14% |
| TAYLOR D. THOMAS3 Filed as: TAYLOR THOMAS | 2808 SCENIC MEADOW STREET WALDORF, MD 20603 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | FIRST STOP HEALTH | $15K | $0 | $15K | 10.00% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFITS GROUP, LLC | 203 MARKET STREET, SUITE 210 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $16K | $0 | $16K | 11.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3501 MORELAND DRIVE, SUITE A WESLACO, TX 78596 | TRANSAMERICA LIFE INSURANCE COMPANY | $16K | $0 | $16K | 11.66% |
| MJ INSURANCE3 Filed as: RANDY S SCHWARTZ AND VARIOUS AGENTS | 1720 SE LA GRANT PARKWAY, SUITE 1 WAUKEE, IA 50263 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC. | 6500 ROCK SPRINGS DRIVE, SUITE 500 BETHESDA, MD 20817 | TRANSAMERICA LIFE INSURANCE COMPANY | $944 | $0 | $944 | 0.70% |
| MARK J. SCHWAIGER3 | 1320 CROWS FOOT ROAD MARRIOTTSVILLE, MD 21104 | TRANSAMERICA LIFE INSURANCE COMPANY | $922 | $0 | $922 | 0.69% |
| TAYLOR D. THOMAS3 Filed as: TAYLOR THOMAS | 40 NORTH PLUM STREET LANCASTER, PA 17602 | TRANSAMERICA LIFE INSURANCE COMPANY | $446 | $0 | $446 | 0.33% |
| WALKTER KORTAS3 | 145 BOUCHELLE ROAD NORTHEAST, MD 21901 | TRANSAMERICA LIFE INSURANCE COMPANY | $355 | $0 | $355 | 0.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 702 KING FARM BOULEVARD, SUITE 210 ROCKVILLE, MD 20850 | LEGAL RESOURCES | $2K | $0 | $2K | 4.58% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Insurance services Service code 23 | — | $1.9M |
| UMR, INC. EIN 39-1995276 NONE | Contract Administrator Service code 13 | — | $1.3M |
| LEVEL 2 UHC EIN 41-1321939 NONE | Insurance services Service code 23 | — | $759K |
| OPERATING ENG LOCAL 37 CLEAR. EIN 52-6039006 OTHER INS EXP | Other insurance fees and expenses Service code 73 | — | $363K |
| 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 | — | $34K |
| LIVONGO HEALTH, INC. EIN 26-3542036 INSURANCE AGENT | Insurance services Service code 23 | — | $28K |
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 | 1,200 | 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) | 1,200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UMR, INC. | 1,200 | $435K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,050 | $275K |
| Vision | VISION SERVICE PLAN | 648 | $53K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,055 | $512K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,055 | $594K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,055 | $594K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 796 | $1.4M |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 1,225 | $784K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,225 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.