| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 1 CHURCH ST STE 500 ROCKVILLE, MD 208504178 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP MID-ATLANTIC SG LLC | 4740 CORRIDOR PL STE B ATTN JENNIFER SWISTAK BELTSVILLE, MD 207051164 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $60 | $2K | 5.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $371 | $371 | 0.95% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 451408320 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4 | $4 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | ONE CHURCH STREET ROCKVILLE, MD 20850 | DOMINION NATIONAL | $2K | $0 | $2K | 5.99% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $333 | $0 | $333 | 2.66% |
| JASON D ELLIS3 | 309 SEATTLE SLEW PL HAVRE DE GRACE, MD 210782576 | CONTINENTAL AMERICAN INSURANCE COMPANY | $250 | $0 | $250 | 1.99% |
| TIMOTHY M CAMPBELL3 Filed as: TIMOTHY MICHAEL CAMPBELL | 3853 LEVEL RD HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $158 | $0 | $158 | 1.26% |
| MICHAEL C WALKER3 | 258 LEWIS STREET HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $79 | $0 | $79 | 0.63% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $75 | $0 | $75 | 0.60% |
| MATTHEW D DIPASQUALE3 Filed as: MATTHEW DAVID DIPASQUALE | 1202 JOMAT DRIVE JOPPA, MD 21085 | CONTINENTAL AMERICAN INSURANCE COMPANY | $67 | $0 | $67 | 0.53% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET STE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $467 | $0 | $467 | 8.28% |
| MARSH & MCLENNAN AGENCY LLC3 | ONE CHURCH STREET,SUITE 500 ROCKVILLE, MD 20850 | TRANSAMERICA LIFE INSURANCE COMPANY | $300 | $0 | $300 | 5.32% |
| JASON D ELLIS3 | 203 MARKET STREET STE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $264 | $0 | $264 | 4.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC. | 6500 ROCK SPRINGS DRIVE SUITE 500 BETHESDA, MD 20817 | TRANSAMERICA LIFE INSURANCE COMPANY | $32 | $0 | $32 | 0.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSSIA, PA 19406 | GUARDIAN LIFE INSURANCE COMPANY | $267 | $52 | $319 | 5.98% |
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 | 151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DOMINION NATIONAL | 56 | $32K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 41 | $5K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 151 | $45K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 151 | $39K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 151 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.