| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP | 6500 ROCK SPRING DR #500 BETHESDA, MD 20817 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $4K | $11K | 2.87% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES | 9690 DEERCO RD #650 TIMONIUM, MD 21093 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $400 | $11K | 2.87% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $406 | $406 | 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 | $10K | $200 | $10K | 2.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP | 6500 ROCK SPRING DR #500 BETHESDA, MD 20817 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $3K | $9K | 2.63% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $200 | $200 | 0.06% |
| GROUP VISION SERVICES MGMT INC3 Filed as: GROUP VISION SERVICES MGMT | 6700 ALEXANDER BELL DRIVE SUITE 200 COLUMBIA, MD 21046 | ALPHA DENTAL PROGRAMS, INC. | $803 | — | $803 | 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 | 1,169 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC STATES, INC | 86 | $700K |
| Dental | ALPHA DENTAL PROGRAMS, INC. | 159 | $40K |
| Vision | CAREFIRST OF MARYLAND, INC | 1,711 | $88K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,152 | $368K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 940 | $347K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,152 | $368K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,711 | — |
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.