| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRINGS DRIVE SUITE 401 BETHESDA, MA 20817 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $46K | $15K | $61K | 5.52% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP MID-ATLANTIC LLC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $4K | $0 | $4K | 0.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | GUARDIAN LIFE INSURANCE COMPANY | $19K | $4K | $24K | 14.16% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFITS GROUP, LLC | 203 MARKET ST #201 HAVRE DE GRACE, MD 21078 | GUARDIAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 4.53% |
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 | 226 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 17 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 229 | $1.1M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 219 | $166K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 219 | $166K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 219 | $166K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 219 | $166K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 219 | $166K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 219 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.