| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE SUITE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $17K | $17K | 0.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC. | 6500 ROCK SPRING DRIVE SUITE 410 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 0.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 401 BETHESDA, MD 20817 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $31K | $2K | $33K | 2.09% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP MID-ATLANTIC SG LLC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $3K | $0 | $3K | 0.21% |
| IKON BENEFITS GROUP, INC.3 Filed as: IKON BENEFITS GROUP INC | — | TRIPLE S SALUD, INC. | $16K | $0 | $16K | 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 | $38K | $3K | $42K | 12.89% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $38K | $2K | $40K | 12.52% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMIN INC. | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 0.50% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $38K | $0 | $38K | 15.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6707 DEMOCRACY BLVD SUITE 500 BETHESDA, MD 20817 | TRANSAMERICA LIFE INSURANCE COMPANY | $37K | $0 | $37K | 15.36% |
| PIONEER PACIFIC FINANCIAL3 Filed as: PIONEER PACIFIC FINANCIAL SERVICE | 155 ET CALVO MEMORIAL PWKY SUITE 101 TAMUNING, GU 96913 | TRANSAMERICA LIFE INSURANCE COMPANY | $231 | $0 | $231 | 0.10% |
| KEITH Y ABE3 | PO BOX 22353 BARRIGADA, GU 96929 | TRANSAMERICA LIFE INSURANCE COMPANY | $97 | $0 | $97 | 0.04% |
| ELIZABETH FELTUS3 | 15 CENTRAL ST WARRICK, RI 02886 | TRANSAMERICA LIFE INSURANCE COMPANY | $49 | $0 | $49 | 0.02% |
| SIMPLIFY INSURANCE LLC3 Filed as: SIMPLIFY BENEFITS INC | 650 NE HOLLADAY STREET SUITE 1600 PORTLAND, OR 97232 | TRANSAMERICA LIFE INSURANCE COMPANY | $16 | $0 | $16 | 0.01% |
| DAVID GOLDBERG3 | 223 EAST NORTHFIELD ROAD LIVINGSTON, NJ 07039 | TRANSAMERICA LIFE INSURANCE COMPANY | $11 | $0 | $11 | 0.00% |
| MARY M CRAFORD3 | 9514 NE SKIDMORE STREET PORTLAND, OR 97220 | TRANSAMERICA LIFE INSURANCE COMPANY | $10 | $0 | $10 | 0.00% |
| MID ATLANTIC BENEFITS GROUP LLC4 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21079 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $7K | $0 | $7K | 12.11% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE STE SUITE 500 BETHESDA, MD 20817 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $5K | $0 | $5K | 9.19% |
| PATRICIA A HUNT4 Filed as: PATRICIA A. HUNT | 528 LONGHORN CRES ROCKVILLE, MD 20850 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $197 | $0 | $197 | 0.34% |
| DIANE REEVES3 | 12160 SAN TOMAS PL SAN DIEGO, CA 92128 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $28 | $0 | $28 | 0.05% |
| SHEILA D CARMON3 | 1911 EAGLE MDW SAN ANTONIO, TX 78248 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $23 | $0 | $23 | 0.04% |
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 | 3,502 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 419 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,944 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 262 | $2.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 5,738 | $1.9M |
| Vision | VISION SERVICE PLAN | 2,324 | $423K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 3,505 | $2.2M |
| Long-term disability | STANDARD INSURANCE COMPANY | 3,505 | $1.9M |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 262 | $1.9M |
| Other(5 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,125 | $713K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,738 | — |
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.