| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRINGS DR STE 500 BETHESDA, MD 208171149 | AMERITAS LIFE INSURANCE CORP | $3K | — | $3K | 7.00% |
| POTOMAC BASIN GROUP ASSOCIATES LLC3 Filed as: POTOMAC BASIN GROUP ASSOC | 4740 CORRIDOR PL STE B BELTSVILLE, MD 20705 | NEW YORK LIFE | $3K | — | $3K | 13.88% |
| POTOMAC BASIN GROUP ASSOCIATES LLC3 Filed as: POTOMAC BASIN GROUP ASSOC | 4740 CORRIDOR PL STE B BELTSVILLE, MD 20705 | NEW YORK LIFE | $2K | — | $2K | 9.35% |
| POTOMAC BASIN GROUP ASSOCIATES LLC3 Filed as: POTOMAC BASIN GROUP ASSOC | 4740 CORRIDOR PL STE B BELTSVILLE, MD 20705 | NEW YORK LIFE | $1K | — | $1K | 12.00% |
| POTOMAC BASIN GROUP ASSOCIATES LLC3 Filed as: POTOMAC BASIN GROUP ASSOC | 4740 CORRIDOR PL STE B BELTSVILLE, MD 20705 | NEW YORK LIFE | $198 | — | $198 | 11.97% |
| POTOMAC BASIN GROUP ASSOCIATES LLC3 Filed as: POTOMAC BASIN GROUP ASSOC | 4740 CORRIDOR PL STE B BELTSVILLE, MD 20705 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $38 | $38 | — |
| POTOMAC BASIN GROUP ASSOCIATES LLC3 Filed as: POTOMAC BASIN GROUP ASSOC | 4740 CORRIDOR PL STE B BELTSVILLE, MD 20705 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $78 | $78 | — |
| POTOMAC BASIN GROUP ASSOCIATES LLC3 Filed as: POTOMAC BASIN GROUP ASSOC | 4740 CORRIDOR PL STE B BELTSVILLE, MD 20705 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $10 | $10 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST ADMINISTRATORS EIN 52-1187907 PBM | Claims processing; Contract Administrator Service code 12 | — | $429K |
| POTOMAC BASIN GROUP ASSOC EIN 26-0465451 BROKER | Insurance agents and brokers Service code 22 | — | $13K |
| THE MELTZER GROUP EIN 22-3811325 BROKER | Insurance agents and brokers Service code 22 | — | $6K |
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 | 110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 217 | $46K |
| Vision | AMERITAS LIFE INSURANCE CORP | 217 | $46K |
| Life insurance(2 contracts, 2 carriers) | NEW YORK LIFE | 105 | $9K |
| Short-term disability(2 contracts, 2 carriers) | NEW YORK LIFE | 105 | $19K |
| Long-term disability | NEW YORK LIFE | 104 | $19K |
| Other(2 contracts, 2 carriers) | NEW YORK LIFE | 105 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.