| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TMG INSURANCE SERVICES INC3 Filed as: TMG INSURANCE SERVICES, INC. | 6500 ROCK SPRING DRIVE STE 500 BETHESDA, MD 20817 | GHMSI | $40K | $6K | $47K | 4.01% |
| POTOMAC BASIN GROUP ASSOCIATES LLC5 Filed as: POTOMAC BASIN GROUP ASSOCIATES | 4740 CORRIDOR PLACE STE B BELTSVILLE, MD 20705 | GHMSI | $0 | $8K | $8K | 0.69% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 | 921 E. FORT AVE STE 325 BALTIMORE, MD 21230 | GHMSI | $7K | — | $7K | 0.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $5K | 13.11% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 | 921 E. FORT AVE STE 325 BALTIMORE, MD 21230 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $4K | 13.09% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 | 921 E. FORT AVE STE 325 BALTIMORE, MD 21230 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $921 | — | $921 | 3.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $879 | $3K | 13.29% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 | 921 E. FORT AVE STE 325 BALTIMORE, MD 21230 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $614 | — | $614 | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP, INC. | 6500 ROCK SPRING DRIVE STE 500 BETHESDA, MD 20817 | FIDELITY SECURITY LIFE INSURANCE | $753 | — | $753 | 8.00% |
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 | 172 | 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) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GHMSI | 191 | $1.2M |
| Dental | GHMSI | 191 | $1.2M |
| Vision | FIDELITY SECURITY LIFE INSURANCE | 143 | $9K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 171 | $30K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 172 | $35K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 172 | $30K |
| Prescription drug | GHMSI | 191 | $1.2M |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 171 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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.
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.