| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLER BENEFIT SERVICES, INC.3 | 7316 WISCONSIN AVENUE SUITE 400 BETHESDA, MD 20814 | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC STATES | $23K | $5K | $27K | 2.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 401 BETHESDA, MD 20817 | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC STATES | $22K | $0 | $22K | 1.82% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP MID-ATLANTIC SG LLC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC STATES | $10K | $0 | $10K | 0.83% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE BENEFITS CORPORATION | 1 PARK WEST CIRCLE SUITE 306-L MIDLOTHIAN, VA 23114 | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC STATES | $4K | $0 | $4K | 0.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $8K | $24K | 2.58% |
| KELLER BENEFIT SERVICES, INC.3 Filed as: KELLER BENEFIT SERVICES INC | 7316 WISCONSIN AVENUE, SUITE 400 BETHESDA, MD 20814 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 1.06% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TX HWY BLDG 2, STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 0.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP BENEFITS | 6500 ROCK SPRING DRIVE SUITE 410 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $18K | $0 | $18K | 5.93% |
| KELLER BENEFIT SERVICES, INC.3 | 7316 WISCONSIN AVENUE SUITE 400 BETHESDA, MD 20814 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $0 | $6K | 2.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP BENEFITS | 6500 ROCK SPRING DRIVE SUITE 410 BETHESDA, MD 20817 | VISION SERVICE PLAN | $2K | $0 | $2K | 1.65% |
| KELLER BENEFIT SERVICES, INC.3 | 7316 WISCONSIN AVENUE, SUITE 400 BETHESDA, MD 20814 | VISION SERVICE PLAN | $836 | $0 | $836 | 0.56% |
| DAVID A HASKELL3 | 15408 WEMBROUGH STREET SILVER SPRING, MD 20905 | AFLAC | $5K | $297 | $5K | 5.05% |
| JEAN CLAUDE FRESNEL JR3 | 700 12TH STREET NW STE 700 WASHINGTON, DC 20005 | AFLAC | $1K | $57 | $1K | 1.36% |
| SABERINA FRESNEL3 | 31 CHESNUT HILL RD FOREST HILL, MD 21050 | AFLAC | $1K | $19 | $1K | 0.99% |
| EDWIN VEGA3 | 134 PINECOVE AVE ODENTON, MD 21113 | AFLAC | $969 | $59 | $1K | 0.96% |
| LOIS VEGA3 Filed as: LOIS A VEGA | 134 PINECOVE AVENUE ODENTON, MD 21113 | AFLAC | $859 | $0 | $859 | 0.80% |
| MICHAEL C DEMETRI3 | 43 WESTLAND AVE UNIT PH3 BOSTON, MA 02115 | AFLAC | $647 | $92 | $739 | 0.69% |
| REBECCA MILNER KING3 | 3402 WOODVALLEY DR PIKESVILLE, MD 21208 | AFLAC | $555 | $0 | $555 | 0.52% |
| JEREMY HOELKER3 | 10400 EATON PL STE 400 FAIRFAX, VA 22030 | AFLAC | $492 | $59 | $551 | 0.52% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE CT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $508 | $0 | $508 | 0.48% |
| LAWRENCE DOTI3 Filed as: LAWRENCE J DOTI | 2102 BUSINESS CENTER DR STE 145 IRVINE, CA 92612 | AFLAC | $421 | $55 | $476 | 0.45% |
| BENJAMIN KLINGER3 | 5503 SPRUCE TREE AVE BETHESDA, MD 20814 | AFLAC | $309 | $0 | $309 | 0.29% |
| ADAM H MICHAELS3 Filed as: ADAM H MICHAELS & ASSOC LTD | 12121 WILSHIRE BLVD STE 1225 LOS ANGELES, CA 90025 | AFLAC | $204 | $0 | $204 | 0.19% |
| BRYAN FISH3 | 4050 CANDLE LIGHT DR DAYTON, MD 21036 | AFLAC | $169 | $6 | $175 | 0.16% |
| DAVID S HALLETT3 | 8 BROOKS ST WINCHESTER, MA 01890 | AFLAC | $142 | $15 | $157 | 0.15% |
| MIRIAM F HUNGERFORD3 | 33622 HOLTZ HILL RD DANA POINT, CA 92629 | AFLAC | $144 | $11 | $155 | 0.15% |
| EVAN D CROSS3 | 377 K STREET UNIT 1 BOSTON, MA 02127 | AFLAC | $88 | $0 | $88 | 0.08% |
| MARK A HARRELL3 Filed as: MARK HARRELL | 11121 S EMERALD AVE APT 2 CHICAGO, IL 60628 | AFLAC | $82 | $0 | $82 | 0.08% |
| MICHAEL C DEMETRI3 | 637 E 1ST ST UNIT C1 BOSTON, MA 02127 | AFLAC | $71 | $0 | $71 | 0.07% |
| KENNETH B COFER3 | 5950 SYMPHONY WOODS ROAD STE 214 COLUMBIA, MD 21044 | AFLAC | $67 | $0 | $67 | 0.06% |
| SETH JAFFE3 | 4127 E. MASSACHUSETTS ST LONG BEACH, CA 90814 | AFLAC | $57 | $0 | $57 | 0.05% |
| SAMUEL B BANKS3 | 637 E 1ST ST UNIT C1 BOSTON, MA 02127 | AFLAC | $57 | $0 | $57 | 0.05% |
| CAROLINE D MORNINGSTAR3 | 11285 DOVEDALE CT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $53 | $0 | $53 | 0.05% |
| JQCQUES N DUPUIS3 | 45 HUTCHINSON ST SANFORD, ME 04073 | AFLAC | $51 | $0 | $51 | 0.05% |
| ROBERT BRIAN SHERMAN3 | 2581 AMHERST AVE LOS ANGELES, CA 90064 | AFLAC | $35 | $11 | $46 | 0.04% |
| ERIC N JAMES3 | 5725 EDGEPARK RD BALTIMORE, MD 21239 | AFLAC | $45 | $0 | $45 | 0.04% |
| JEREMY A FELDMAN3 | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $43 | $0 | $43 | 0.04% |
| JACQUES N DUPUIS3 | 45 HUTCHINSON STREET SANFORD, ME 04073 | AFLAC | $42 | $0 | $42 | 0.04% |
| DANIEL P CLARK3 | 33 LANDAU ROAD PLAINVILLE, MA 02762 | AFLAC | $35 | $0 | $35 | 0.03% |
| CHRIS WALKER3 Filed as: CHRIS (JOHN) WALKER | 2035 LIAMARIE WAY WINTER HAVEN, FL 33884 | AFLAC | $32 | $0 | $32 | 0.03% |
| GWEN MARIE A DAVIS3 | 7749 VALLE OAK DRIVE ELKRIDGE, MD 21075 | AFLAC | $26 | $0 | $26 | 0.02% |
| BRADLEY S JONES3 | 19 BRITISH AMERICAN BLVD WEST LATHAM, NY 12110 | AFLAC | $24 | $0 | $24 | 0.02% |
| ERIN ANNE PURDY3 | 2211 78TH ST W BRADENTON, FL 34209 | AFLAC | $23 | $0 | $23 | 0.02% |
| PETER D GRIFFEY3 | 529 EAST AVE LEWISTON, ME 04240 | AFLAC | $15 | $0 | $15 | 0.01% |
| THUY N. PHAM3 Filed as: THUY N PHAM | 4000 MACARTHUR BLVD STE 550 NEWPORT BEACH, CA 92660 | AFLAC | $15 | $0 | $15 | 0.01% |
| SCOTT W BLACKSHEAR3 | 3453 CATHRYN DR COLUMBUS, GA 31906 | AFLAC | $14 | $0 | $14 | 0.01% |
| JOY E GUNDERSON3 | 4531 VALLECITO LN YORBA LINDA, CA 92886 | AFLAC | $12 | $0 | $12 | 0.01% |
| MICHAEL ROBERT YURCZYK3 | 5810 W 78TH STE STE 210 EDINA, MN 55439 | AFLAC | $11 | $0 | $11 | 0.01% |
| STEVEN T SPEICHINGER3 | 210 KENT ST WAUSAU, WI 54403 | AFLAC | $11 | $0 | $11 | 0.01% |
| ANDREW R GRETHEL3 | 60 S HIDDEN VALLE RD #150 CARLSBAD, CA 92011 | AFLAC | $10 | $0 | $10 | 0.01% |
| PETER D GRIFFEY3 | 139 BROAD ST APT 6 AUBURN, ME 04210 | AFLAC | $8 | $0 | $8 | 0.01% |
| JAKE ENTERPRISES INC3 | 25 LOCKLAND DR PO BOX 1977 WINDHAM, ME 04062 | AFLAC | $8 | $0 | $8 | 0.01% |
| KELLY LYNN FELDMAN3 | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $7 | $0 | $7 | 0.01% |
| JAKE ENTERPRISES INC3 | 25 LOCKLAND DRIVE PO BOX 1977 WINDHAM, ME 04062 | AFLAC | $6 | $0 | $6 | 0.01% |
| MAUREEN E SNOW3 | 68 WINGATE RD HOLLISTON, MA 01746 | AFLAC | $4 | $0 | $4 | 0.00% |
| DAVID J MCCLELLAN3 Filed as: DAVID J WAGENHEIM | 582 WOODBINE AVE TOWSON, MD 21204 | AFLAC | $4 | $0 | $4 | 0.00% |
| JAMES (JAY) GRIMES3 | 4272 PERSIMMON WOODS DR NORTH CHARLESTON, SC 29420 | AFLAC | $3 | $0 | $3 | 0.00% |
| MIKE YURCZYK3 | 901 MARQUETTE AVE STE 1500 MINNEAPOLIS, MN 55402 | AFLAC | $2 | $0 | $2 | 0.00% |
| DANIEL P CLARK3 | 33 LANDAU RD PLAINVILLE, MA 02762 | AFLAC | $2 | $0 | $2 | 0.00% |
| DIVYA JAIN3 | 4401 FAIR LAKES CT STE 304 FAIRFAX, VA 22033 | AFLAC | $2 | $0 | $2 | 0.00% |
| JAMES M PITZ3 | 84 MINK DRIVE CATAULA, GA 31804 | AFLAC | $2 | $0 | $2 | 0.00% |
| BARRY MCPHERSON INC3 | 2211 MICHELSON DR STE 1150 IRVINE, CA 92612 | AFLAC | $2 | $0 | $2 | 0.00% |
| MARK D BARBIER3 | 802 DEER TRAIL LN OAK BROOK, IL 60523 | AFLAC | $1 | $0 | $1 | 0.00% |
| AMANDA M GRIFFITH3 Filed as: AMANDA GRIFFITH | 11400 SE 8TH STREET #375 BELLEVUE, WA 98004 | AFLAC | $1 | $0 | $1 | 0.00% |
| GREGORY D HILL3 | SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $1 | $0 | $1 | 0.00% |
| NATHAN A HUMMER3 | 5 WEBBER RD WESTFORD, MA 01886 | AFLAC | $1 | $0 | $1 | 0.00% |
| JAMES J GRETHEL0 | 865 CEDAR DR LOVELAND, OH 45140 | AFLAC | $1 | $0 | $1 | 0.00% |
| OWEN JOHNSTON3 | 796 N HART ST ORANGE, CA 92867 | AFLAC | $1 | $0 | $1 | 0.00% |
| VANZANTEN INSURANCE SERVICES INC3 | 40152 STOWE ROAD TEMECULA, CA 92591 | AFLAC | $1 | $0 | $1 | 0.00% |
| DAVID NERENBERG3 | 61 CALABASH CT ROCKVILLE, MD 20850 | AFLAC | $1 | $0 | $1 | 0.00% |
| MICHAEL BENDER3 | 1803 RESEARCH BLVD STE 400 ROCKVILLE, MD 20850 | AFLAC | $1 | $0 | $1 | 0.00% |
| PHYLLIS ADAMS4 | 210 N TYRONE RD BALTIMORE, MD 21212 | LEGALSHIELD | $2K | $0 | $2K | 13.98% |
| GC FRANKLIN & ASSOCIATES4 | P.O. BOX 1314 HUNT VALLEY, MD 21030 | LEGALSHIELD | $212 | $0 | $212 | 1.25% |
| CHRISTA G AUFDEMBERG INC4 Filed as: CHRISTA G. AUFDEMBERG INC. | 13102 BRITTANY WOODS DR TUSTIN, CA 92780 | LEGALSHIELD | $20 | $0 | $20 | 0.12% |
| INFINITI BENEFITS LLC4 | 3905 NATIONAL DR SUITE 400 BURTONSVILLE, MD 20866 | LEGALSHIELD | $13 | $0 | $13 | 0.08% |
| WILLIAM WALLACE4 | P.O. BOX 104 MANOMET, MA 02345 | LEGALSHIELD | $12 | $0 | $12 | 0.07% |
| JASON SALLEMI3 | 302 MONROE ST APT 4B HOBOKEN, NJ 07030 | AFLAC | $177 | $0 | $177 | 10.73% |
| TODD J BURKE CORP3 | 2 IRIS LANE GARDEN CITY, NY 11530 | AFLAC | $31 | $0 | $31 | 1.88% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORP | 401 FRANKLIN AVENUE STE 312 GARDEN CITY, NY 11530 | AFLAC | $17 | $0 | $17 | 1.03% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $1 | $0 | $1 | 0.06% |
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 | 1,329 | 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) | 1,329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | CIGNA HEALTHCARE OF CALIFORNIA | 1,329 | $3.6M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTHCARE OF CALIFORNIA | 1,329 | $2.2M |
| Vision | VISION SERVICE PLAN | 681 | $149K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,928 | $927K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,928 | $927K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,928 | $927K |
| Prescription drug(3 contracts, 3 carriers) | CIGNA HEALTHCARE OF CALIFORNIA | 1,329 | $3.2M |
| Other(7 contracts, 6 carriers) | CIGNA HEALTHCARE OF CALIFORNIA | 1,928 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,928 | — |
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.