| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR #500 BETHESDA, MD 20817 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $43K | $23K | $66K | 2.83% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES | 9690 DEERCO RD #650 TIMONIUM, MD 21093 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $63K | $3K | $66K | 2.83% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 0.11% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES | 9690 DEERCO RD #650 TIMONIUM, MD 21093 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $63K | $1K | $64K | 2.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR #500 BETHESDA, MD 20817 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $43K | $16K | $59K | 2.55% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 0.11% |
| GROUP VISION SERVICES MGMT INC3 Filed as: GROUP VISION SERVICES MGMT | 6700 ALEXANDER BELL DRIVE SUITE 200 COLUMBIA, MD 21046 | ALPHA DENTAL PROGRAMS, INC. | $6K | — | $6K | 2.00% |
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 | 9,739 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 42 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,782 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC STATES, INC. | 816 | $5.2M |
| Dental | ALPHA DENTAL PROGRAMS, INC. | 1,363 | $316K |
| Vision | CAREFIRST OF MARYLAND, INC | 11,331 | $597K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 9,715 | $2.3M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 7,516 | $2.3M |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 9,715 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,331 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.