| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HM BENEFITS LLC3 Filed as: HM BENEFITS | 6500 ROCK SPRING DRIVE, SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $28K | $0 | $28K | 7.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 702 KING FARM BOULEVARD, SUITE 210 ROCKVILLE, IN 20850 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $0 | $8K | 2.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC. | 6500 ROCK SPRINGS DRIVE, SUITE 500 BETHESDA, MD 20817 | AMERITAS LIFE INSURANCE CORPORATION | $12K | $0 | $12K | 3.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE, 13TH FLOOR BOSTON, MA 02210 | AMERITAS LIFE INSURANCE CORPORATION | $9K | $0 | $9K | 2.82% |
| MIDATLANTIC BENEFITS GROUP LLC3 Filed as: MIDATLANTIC BENEFITS GROUP, LLC | 203 MARKET STREET, SUITE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 13.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC. | 6500 ROCK SPRINGS DRIVE, SUITE 500 BETHESDA, MD 20817 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 12.40% |
| MICHAEL C WALKER3 Filed as: MICHAEL C. WALKER | 203 MARKET STREET, SUITE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $27 | $0 | $27 | 0.07% |
| JENNIFER D EBAUGH3 Filed as: JENNIFER D. EBAUGH | 1670 MOHEGAB DEIVE, UNIT D HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $15 | $0 | $15 | 0.04% |
| BRITTON JOHNSON3 Filed as: BRITTON JOHSON AND OTHER AGENTS | 3220 NORTH ACADEMY BOULEVARD SUITE 1 COLORADO SPRINGS, CO 80917 | TRANSAMERICA LIFE INSURANCE COMPANY | $12 | $0 | $12 | 0.03% |
| MATTHEW D DIPASQUALE3 Filed as: MATTHEW D. DIPASQUALE | 1610 SHIRLEY AVENUE JOPPA, MD 21085 | TRANSAMERICA LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| JORDAN A PURCELL3 Filed as: JORDAN A. PURCELL | 72 EAST ELLENDALE STREET BEL AIR, MD 21014 | TRANSAMERICA LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE, SUITE 500 BETHESDA, MD 20817 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $905 | $0 | $905 | 7.50% |
| MIDATLANTIC BENEFITS GROUP LLC3 Filed as: MIDATLANTIC BENEFITS GROUP, LLC | 203 MARKET STREET, SUITE 201 HAVRE DE GRACE, MD 21078 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $905 | $0 | $905 | 7.50% |
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 | 733 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 747 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 1,102 | $304K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 1,102 | $304K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 723 | $369K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 723 | $357K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 723 | $357K |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 859 | $422K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,102 | — |
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.