| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $66K | $66K | 2.40% |
| POTOMAC BASIC GROUP ASSOCIATES3 Filed as: POTOMAC BASSIN GROUP | 6500 ROCK SPRING DRIVE SUITE 410 BETHESDA, MD 208171149 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $55K | $55K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | $0 | $15K | 7.10% |
| POTOMAC BASIN GROUP ASSOCIATES LLC3 Filed as: POTOMAC BASSIN GROUP ASSOC LLC | 6500 ROCK SPRING DR. SUITE 410 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $7K | $7K | 3.60% |
| TRACY A SIEGEL3 | 8484 WESTPARK DR STE 700 MC LEAN, VA 22102 | NORTHWESTERN MUTUAL | $6K | $2K | $8K | 6.00% |
| HERBERT VALENTINE KELLY3 | 8484 WESTPARK DR STE 700 MC LEAN, VA 22102 | NORTHWESTERN MUTUAL | $6K | $2K | $8K | 6.00% |
| WASHINGTON GROUP LLC3 Filed as: WASHINGTON GRP LLC | 10TH FLOOR 2001 PENNSYLVANIA AVE NW WASHINGTON, DC 20006 | NORTHWESTERN MUTUAL | $2K | $257 | $2K | 1.92% |
| KEVIN CHADWICK3 | 8484 WESTPARK DR STE 700 MC LEAN, VA 22102 | NORTHWESTERN MUTUAL | $504 | $181 | $685 | 0.55% |
| SEPEHR HARANDI3 | 8484 WESTPARK DR STE 700 MCLEAN, VA 22101 | NORTHWESTERN MUTUAL | $307 | $110 | $417 | 0.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 9.00% |
| HILARY RADOLEC3 Filed as: HILARY REDOLEC | 8200 WISCONSIN AVE APT 808 BETHESDA, MD 20814 | CONTINENTAL AMERICAN INSURANCE COMPANY | $741 | $0 | $741 | 4.33% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $422 | $0 | $422 | 2.47% |
| MICHAEL C WALKER3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $329 | $0 | $329 | 1.92% |
| MATTHEW D DIPASQUALE3 | 1714 FLEET STREET BALTIMORE, MD 21231 | CONTINENTAL AMERICAN INSURANCE COMPANY | $237 | $0 | $237 | 1.39% |
| JASON A BARE3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | $0 | $41 | 0.24% |
| MICHAEL C WALKER3 | 258 LEWIS STREET HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP | 6500 ROCK SPRING DR. STE 500 BETHESDA, MD 20817 | LEGAL RESOURCES | $443 | $0 | $443 | 5.44% |
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 | 192 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 286 | $2.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 179 | $205K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 179 | $205K |
| Life insurance | NORTHWESTERN MUTUAL | 192 | $125K |
| Short-term disability | NORTHWESTERN MUTUAL | 192 | $125K |
| Long-term disability | NORTHWESTERN MUTUAL | 192 | $125K |
| Other(3 contracts, 3 carriers) | NORTHWESTERN MUTUAL | 192 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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.