| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | CAREFIRST BLUECHOICE | $125K | $32K | $157K | 4.24% |
| POTOMAC BASIN GROUP ASSOCIATES LLC5 Filed as: POTOMAC BASIN GROUP ASSOC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | CAREFIRST BLUECHOICE | $0 | $25K | $25K | 0.68% |
| 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 | 11.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $970 | $8K | 11.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.49% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $755 | $0 | $755 | 2.84% |
| MICHAEL C WALKER3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $215 | $0 | $215 | 0.81% |
| MATTHEW D DIPASQUALE3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $61 | $0 | $61 | 0.23% |
| JENNIFER D EBAUGH3 | 1670 D MOHEGAN DRIVE HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $50 | $0 | $50 | 0.19% |
| JORDAN A PURCELL3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $47 | $0 | $47 | 0.18% |
| BRITTON JOHNSON3 | 1701 CENTERVIEW DRIVE SUITE 300 LITTLE ROCK, AR 72211 | TRANSAMERICA LIFE INSURANCE COMPANY | $29 | $0 | $29 | 0.11% |
| RUSSELL P LASNER3 | 1001 TIMMONY CIRCLE ACCOKEEK, MD 20607 | TRANSAMERICA LIFE INSURANCE COMPANY | $28 | $0 | $28 | 0.11% |
| ROBERT L SONKEN3 | 15925 GREEN MEADOW ROAD DARNESTOWN, MD 20878 | TRANSAMERICA LIFE INSURANCE COMPANY | $10 | $0 | $10 | 0.04% |
| 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 | $269 | $2K | 11.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $624 | $90 | $714 | 11.44% |
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 | 597 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 597 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 695 | $3.7M |
| Dental | CAREFIRST BLUECHOICE | 695 | $3.7M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 417 | $25K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 597 | $17K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 597 | $79K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 583 | $68K |
| Prescription drug | CAREFIRST BLUECHOICE | 695 | $3.7M |
| Other(3 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 597 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 695 | — |
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.