| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| METLZER GROUP INC3 Filed as: THE METLZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | GHMSI | $95K | $34K | $129K | 5.04% |
| POTOMAC BASIN GROUP ASSOCIATES LLC5 Filed as: POTOMAC BASIN GROUP ASSOC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | GHMSI | $0 | $20K | $20K | 0.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $1K | $9K | 11.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $1K | $7K | 11.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC. | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.49% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $963 | $0 | $963 | 2.73% |
| MICHAEL C WALKER3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $292 | $0 | $292 | 0.83% |
| MATTHEW D DIPASQUALE3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $88 | $0 | $88 | 0.25% |
| JORDAN A PURCELL3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $76 | $0 | $76 | 0.22% |
| JENNIFER D EBAUGH3 | 1670 D MOHEGAN DRIVE HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $68 | $0 | $68 | 0.19% |
| BRITTON JOHNSON3 | 1701 CENTERVIEW DRIVE SUITE 300 LITTLE ROCK, AR 72211 | TRANSAMERICA LIFE INSURANCE COMPANY | $41 | $0 | $41 | 0.12% |
| RUSSELL P LASNER3 | 1001 TIMMONY CIRCLE ACCOKEEK, MD 20607 | TRANSAMERICA LIFE INSURANCE COMPANY | $37 | $0 | $37 | 0.10% |
| ROBERT L SONKEN3 | 15925 GREEN MEADOW ROAD DARNESTOWN, MD 20878 | TRANSAMERICA LIFE INSURANCE COMPANY | $14 | $0 | $14 | 0.04% |
| MID ATLANTIC BENEFITS SOLUTION3 Filed as: MID ATLANTIC BENEFIT SOLUTIONS LLC | 1060 LASKIN ROAD SUITE 12B VIRGINIA BEACH, VA 23451 | TRANSAMERICA LIFE INSURANCE COMPANY | $6 | $0 | $6 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $323 | $2K | 12.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $466 | $0 | $466 | 7.50% |
| MIDATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $466 | $0 | $466 | 7.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $539 | $108 | $647 | 12.01% |
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 | 541 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 562 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GHMSI | 612 | $2.6M |
| Dental | GHMSI | 612 | $2.6M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 365 | $21K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 541 | $22K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 126 | $79K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 526 | $58K |
| Prescription drug | GHMSI | 612 | $2.6M |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 722 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 722 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.