| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR STE 401 BETHESDA, MD 20817 | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC | $47K | $12K | $59K | 6.81% |
| EMPLOYEE BENEFITS CORP OF AMERICA3 | 1 PARK WEST CIRCLE SUITE 306-L MIDLOTHIAN, VA 23114 | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC | $13K | $0 | $13K | 1.51% |
| BENEFITMALL3 Filed as: MATHER & STROHL DBA/BENEFITMALL | 501 FAIRMOUNT AVE STE 400 TOWSON, MD 21286 | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC | $11K | $0 | $11K | 1.32% |
| BENEFIT DESIGN GROUP INC5 | 600 WASHINGTON AVE STE 104 TOWSON, MD 21204 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $6K | $12K | 8.34% |
| MATHER BENEFIT ADMINISTRATORS, LLC5 | 10540 YORK RD COCKEYSVILLE, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 4.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $711 | $711 | 0.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | FIDELITY SECURITY LIFE INSURANCE | $475 | $0 | $475 | 1.45% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVCS | 354 EISENHOWER PKWY STE 2850 LIVINGSTON, NJ 07039 | OXFORD HEALTH INSURANCE, INC. | $2K | $338 | $2K | 6.72% |
| BENEFITMALL3 | 501 FAIRMOUNT AVE 400 TOWSON, MD 21286 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $971 | $265 | $1K | 8.24% |
| TMG INSURANCE SERVICES INC3 | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $984 | $0 | $984 | 6.56% |
| BENEFIT DESIGN GROUP INC3 Filed as: BENEFIT DESIGN GROUP INC. | 600 WASHINGTON AVENUE STE 104 TOWSON, MD 21204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $676 | $307 | $983 | 6.55% |
| BENEFITMALL3 | 501 FAIRMOUNT AVE 400 TOWSON, MD 21286 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $771 | $154 | $925 | 10.85% |
| TMG INSURANCE SERVICES INC3 | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $676 | $0 | $676 | 7.93% |
| BENEFIT DESIGN GROUP INC3 Filed as: BENEFIT DESIGN GROUP, INC. | 600 WASHINGTON AVE STE 104 TOWSON, MD 21204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $507 | $169 | $676 | 7.93% |
| BENEFITMALL3 | 501 FAIRMOUNT AVE 400 TOWSON, MD 21286 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $305 | $83 | $388 | 8.28% |
| TMG INSURANCE SERVICES INC3 | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $304 | $0 | $304 | 6.49% |
| BENEFIT DESIGN GROUP INC3 Filed as: BENEFIT DESIGN GROUP, INC. | 600 WASHINGTON AVE STE 104 TOWSON, MD 21204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $209 | $95 | $304 | 6.49% |
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 | 294 | 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) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC | 299 | $891K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 243 | $150K |
| Vision | FIDELITY SECURITY LIFE INSURANCE | 124 | $33K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 94 | $5K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 94 | $15K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 23 | $9K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 94 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.