| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $0 | $7K | 7.49% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $960 | $960 | 1.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $0 | $6K | 7.23% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $766 | $766 | 0.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.41% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $3K | $3K | 6.00% |
| ELVERA POLLARD3 | 908 DELAFIELD PL NW SUITE 400 WASHINGTON, DC 20011 | AFLAC | $2K | $124 | $2K | 8.37% |
| DANIEL E ALTMIRE3 Filed as: DANIEL ALTMIRE | 12800 MIDDLEBROOK RD STE 490 GERMANTOWN, MD 20874 | AFLAC | $871 | $35 | $906 | 3.76% |
| TONYA TURNER3 | 3812 CARRIAGE HILL DR FREDERICK, MD 21704 | AFLAC | $593 | $53 | $646 | 2.68% |
| DIVYA JAIN3 | 4401 FAIR LAKES CT SUITE 304 FAIRFAX, VA 22033 | AFLAC | $309 | $26 | $335 | 1.39% |
| ARON D TERAN3 Filed as: ARON TERAN | 3812 CARRIAGE HILL DR FREDERICK, MD 21704 | AFLAC | $248 | $0 | $248 | 1.03% |
| GREGG S LILIENFIELD3 | 1100 HIGGINS PL APT 103 ROCKVILLE, MD 20852 | AFLAC | $115 | $0 | $115 | 0.48% |
| MARK JOHNSTON3 | 124 UNDERKE TER STE 8 HEDGESVILLE, WV 25427 | AFLAC | $72 | $10 | $82 | 0.34% |
| BENJAMIN KLINGER3 | 5503 SPRUCE TREE AVE BETHESDA, MD 20814 | AFLAC | $58 | $0 | $58 | 0.24% |
| PETER J HELIOTIS3 | 203 NORMANDY DR SILVER SPRING, MD 20901 | AFLAC | $43 | $0 | $43 | 0.18% |
| ROBIN STROUD3 | PO BOX 2768 WOODBRIDGE, VA 22195 | AFLAC | $35 | $0 | $35 | 0.15% |
| DAVID SCHENKEL JR3 | 2141 INDUSTRIAL PKWY SUITE 204 SILVER SPRING, MD 20904 | AFLAC | $12 | $0 | $12 | 0.05% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $8 | $0 | $8 | 0.03% |
| ANASTASIA BARANOV3 | 1905 CARTER MILL WAY BROOKEVILLE, MD 20833 | AFLAC | $7 | $0 | $7 | 0.03% |
| JEREMY A FELDMAN3 Filed as: JEREMY FELDMAN | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $6 | $0 | $6 | 0.02% |
| ANIBAR MEJIA3 | 7401 EASTMORELAND RD APT 611 ANNANDALE, VA 22003 | AFLAC | $4 | $0 | $4 | 0.02% |
| EDWIN VEGA3 | 134 PINECOVE AVENUE ODENTON, MD 21113 | AFLAC | $3 | $0 | $3 | 0.01% |
| KELLY LYNN FELDMAN3 Filed as: KELLY FELDMAN | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $3 | $0 | $3 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 19.71% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $340 | $340 | 2.40% |
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 | 258 | 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) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 393 | $93K |
| Vision | ADVANTICA REINSURANCE COMPANY | 248 | $11K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 258 | $97K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 258 | $95K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 258 | $47K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 258 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 393 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.