| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRINGS DR SUITE 500 BETHESDA, MD 20817 | UNITEDHEALTHCARE INSURANCE COMPANY | $38K | $0 | $38K | 4.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRINGS DR SUITE 500 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $961 | $9K | 13.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE STE 500 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $664 | $3K | 8.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $493 | $4K | 13.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $261 | $2K | 13.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP, INC. | 6500 ROCK SPRING DRIVE STE 500 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $257 | $1K | 8.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 401 BETHESDA, MD 20817 | TRANSAMERICA LIFE INSURANCE COMPANY | $446 | $0 | $446 | 3.71% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET ST SUITE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $296 | $0 | $296 | 2.46% |
| RANDY S SCHWARTZ3 | 16 PERHALL COURT NOTTINGHAM, MD 21236 | TRANSAMERICA LIFE INSURANCE COMPANY | $55 | $0 | $55 | 0.46% |
| MICHAEL C WALKER3 | 203 MARKET ST SUITE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $47 | $0 | $47 | 0.39% |
| MATTHEW D DIPASQUALE3 Filed as: MATTHEW D DISPASQUALE | 203 MARKET ST SUITE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $44 | $0 | $44 | 0.37% |
| ROBERT L SONKEN3 | 15925 GREEN MEADOW RD DARNESTOWN, MD 20878 | TRANSAMERICA LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC | 6500 ROCK SPRINGS DR SUITE 500 BETHESDA, MD 20817 | AFLAC | $226 | $0 | $226 | 2.61% |
| MATTHEW D DIPASQUALE3 Filed as: MATTHEW DIPASQUALE | 403 EAST AVE S BALTIMORE, MD 21224 | AFLAC | $142 | $5 | $147 | 1.70% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET ST SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $139 | $0 | $139 | 1.60% |
| MICHAEL C WALKER3 Filed as: MICHAEL WALKER | 203 MARKET ST SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $90 | $5 | $95 | 1.10% |
| ROBERT L SONKEN3 Filed as: ROBERT SONKEN | 15925 GREEN MEADOW RD DARNESTOWN, MA 20878 | AFLAC | $75 | $0 | $75 | 0.87% |
| JORDAN A PURCELL3 Filed as: JORDAN PURCELL | 72 ELLENDALE ST E BEL AIR, MD 21014 | AFLAC | $7 | $23 | $30 | 0.35% |
| JENNIFER D EBAUGH3 Filed as: JENNIFER EBAUGH | 203 MARKET ST SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $19 | $0 | $19 | 0.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP BENEFITS | 6500 ROCK SPRING DRIVE STE 500 BETHESDA, MD 20817 | EYEMED VISION | $574 | $0 | $574 | 7.13% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP MELTZER GROUP BENEFITS | 3230 W COMMERCIAL BLVD SUITE 360 FORT LAUDERDALE, FL 33309 | EYEMED VISION | $297 | $0 | $297 | 3.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING SR STE 500 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $772 | $129 | $901 | 14.00% |
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 | 208 | 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) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 108 | $790K |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 66 | $54K |
| Vision | EYEMED VISION | 131 | $8K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 208 | $35K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 208 | $63K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 208 | $32K |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 208 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.