| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 401 BETHESDA, MD 20817 | KAISER FOUNDATION HEALTH PLAN OF MID ATLANTIC | $34K | $18K | $52K | 3.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP MID-ATLANTIC SG LLC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | KAISER FOUNDATION HEALTH PLAN OF MID ATLANTIC | $30K | $0 | $30K | 1.76% |
| IKON BENEFITS GROUP, INC.3 Filed as: IKON BENEFITS GROUP INC | 270 MUNOZ RIVERA AVE., SUITE PH-1 SAN JUAN, PR 00918 | TRIPLE S SALUD, INC. | $7K | $0 | $7K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34K | $4K | $38K | 37.35% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34K | $2K | $36K | 35.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC. | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | TRANSAMERICA LIFE INSURANCE COMPANY | $40K | $0 | $40K | 49.67% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $37K | $0 | $37K | 45.96% |
| ELIZABETH FELTUS3 | 13716 CAMDEN AVE OMAHA, NC 68164 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.20% |
| DAVID GOLDBERG3 | 223 EAST NORTHFIELD ROAD LIVINGSTON, NJ 07039 | TRANSAMERICA LIFE INSURANCE COMPANY | $632 | $0 | $632 | 0.78% |
| MARY M CRAFORD3 | 9514 NE SKIDMORE ST. PORTLAND, OR 97220 | TRANSAMERICA LIFE INSURANCE COMPANY | $351 | $0 | $351 | 0.44% |
| KEITH Y ABE3 | 154 ALICIA COURT DEDEDO, GU 96929 | TRANSAMERICA LIFE INSURANCE COMPANY | $234 | $0 | $234 | 0.29% |
| SIMPLIFY INSURANCE LLC3 Filed as: SIMPLIFY BENEFITS INC. | 650 NE HOLLADAY STREET STE 1600 PORTLAND, OR 97232 | TRANSAMERICA LIFE INSURANCE COMPANY | $175 | $0 | $175 | 0.22% |
| PIONEER PACIFIC FINANCIAL3 Filed as: PIONEER PACIFIC FINANCIAL SERVICE | P.O. BOX BS HAGANTNA, GU 96932 | TRANSAMERICA LIFE INSURANCE COMPANY | $106 | $0 | $106 | 0.13% |
| ADVANBEN MIDATLANTIC, LLC3 | ONE BELMONT AVE BALA CYNWYD, PA 19004 | TRANSAMERICA LIFE INSURANCE COMPANY | $59 | $0 | $59 | 0.07% |
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 | 2,621 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,645 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF MID ATLANTIC | 361 | $1.9M |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF VIRGINIA | 3,549 | $1.3M |
| Vision | VISION SERVICE PLAN | 1,755 | $220K |
| Life insurance | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | 2,621 | $712K |
| Long-term disability | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | 2,354 | $301K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF MID ATLANTIC | 361 | $1.8M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,144 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,549 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.