| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC. | 6500 ROCK SPRINGS DR BATHESDA, MD 20817 | CAREFIRST BLUECHOICE, INC. | $0 | $29K | $29K | 4.09% |
| POTOMAC BASSIN GROUP ASSOC LLC5 Filed as: POTOMAC BASIN GROUP ASSOSIATES LLC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | CAREFIRST BLUECHOICE, INC. | $0 | $6K | $6K | 0.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 650 ROCK SPRINGS DR SUITE 500 BATHESDA, MD 20817 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $5K | $19K | 10.81% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FINA | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $961 | $0 | $961 | 0.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 29.79% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET #210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 22.56% |
| MATTHEW D DIPASQUALE3 Filed as: MATTHEW DAVID DIPASQUALE | 1202 JOMAT DRIVE JOPPA, MD 21085 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 4.70% |
| MICHAEL C WALKER3 | 258 LEWIS STREET HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $767 | $0 | $767 | 2.57% |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 114 | $710K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $176K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $176K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $176K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $176K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $176K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 114 | $710K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $205K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.