| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC. | 6500 ROCK SPRING DR STE 401 BETHESDA, MD 20817 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $35K | $9K | $45K | 5.18% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP MID-ATLANTIC SG LLC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $17K | $0 | $17K | 1.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC. | 6500 ROCK SPRING DRIVE STE 500 BETHESDA, MD 20817 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $0 | $7K | 14.99% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 SUITE 125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $478 | $478 | 1.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP, INC. | 6500 ROCK SPRING DRIVE STE 500 BETHESDA, MD 20817 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $2K | $4K | 10.67% |
| FINANCIAL BALANCE GROUP LLC3 | 1355 PICARD DR S 380 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18 | $0 | $18 | 0.05% |
| JASON D ELLIS3 Filed as: JASON ALLEN BARE | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $344 | $0 | $344 | 3.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC. | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | AFLAC | $339 | $0 | $339 | 3.47% |
| AUTUMN STROHMAIER3 | 176 S SHORE RD ELKTON, MD 21921 | AFLAC | $191 | $0 | $191 | 1.95% |
| MICHAEL C WALKER3 Filed as: MICHAEL C. WALKER | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $142 | $0 | $142 | 1.45% |
| THOMAS B SCOTT3 Filed as: THOMAS B. SCOTT | 1295 MONROE STREET HERNDON, VA 20170 | AFLAC | $107 | $0 | $107 | 1.09% |
| AUTUMN STROHMAIER3 | 254 CHAPMAN RD STE 203 NEWARK, DE 19702 | AFLAC | $71 | $0 | $71 | 0.73% |
| THOMAS ASSOCIATES LLC3 | 2801 SCENIC MEADOW ST WALDORF, MD 20603 | AFLAC | $68 | $0 | $68 | 0.70% |
| J ELLIS INSURANCE AGENCY INC3 Filed as: J. ELLIS INSURANCE AGENCY INC. | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $64 | $0 | $64 | 0.65% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $51 | $0 | $51 | 0.52% |
| MICHAEL EDWARD RISKA3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $18 | $0 | $18 | 0.18% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 156 | $867K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 52 | $36K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 110 | $45K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 110 | $45K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 110 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.