| 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 | $6K | $41K | 3.90% |
| 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 | $16K | $5 | $16K | 1.56% |
| 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 | 14.66% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 SUITE 125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | $165 | $0 | $165 | 0.34% |
| 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 | $5K | 10.61% |
| FINANCIAL BALANCE GROUP LLC3 | 1355 PICARD DR S 380 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21 | $0 | $21 | 0.05% |
| AUTUMN STROHMAIER3 | 16 COLORA SCHOOL RD COLORA, MD 21917 | AFLAC | $255 | $0 | $255 | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | AFLAC | $195 | $0 | $195 | — |
| THOMAS B SCOTT3 Filed as: THOMAS B. SCOTT | 1295 MONROE STREET HERNDON, VA 20170 | AFLAC | $100 | $0 | $100 | — |
| MICHAEL C WALKER3 Filed as: MICHAEL C. WALKER | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $96 | $0 | $96 | — |
| THOMAS ASSOCIATES LLC3 | 2801 SCENIC MEADOW ST WALDORF, MD 20603 | AFLAC | $68 | $0 | $68 | — |
| J ELLIS INSURANCE AGENCY INC3 Filed as: J. ELLIS INSURANCE AGENCY INC. | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $60 | $0 | $60 | — |
| JASON D ELLIS3 Filed as: JASON ALLEN BARE | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $37 | $0 | $37 | — |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $20 | $0 | $20 | — |
| MICHAEL EDWARD RISKA3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $17 | $0 | $17 | — |
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 | 113 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 155 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 52 | $43K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 107 | $49K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 107 | $49K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 107 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.