| 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 | $55K | $55K | 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 | $46K | $46K | 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 | $12K | $1K | $14K | 7.78% |
| 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 | $6K | $6K | 3.62% |
| TRACY A SIEGEL3 | 8484 WESTPARK DR STE 700 MC LEAN, VA 22102 | NORTHWESTERN MUTUAL | $6K | $2K | $7K | 5.95% |
| HERBERT VALENTINE KELLY3 | 8484 WESTPARK DR STE 700 MC LEAN, VA 22102 | NORTHWESTERN MUTUAL | $6K | $2K | $7K | 5.95% |
| KEVIN CHADWICK3 | 8484 WESTPARK DR STE 700 MC LEAN, VA 22102 | NORTHWESTERN MUTUAL | $2K | $625 | $2K | 1.95% |
| WASHINGTON GROUP LLC3 Filed as: WASHINGTON GRP LLC | 10TH FLOOR 2001 PENNSYLVANIA AVE NW WASHINGTON, DC 20006 | NORTHWESTERN MUTUAL | $2K | $189 | $2K | 1.45% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 36.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 9.45% |
| HILARY RADOLEC3 Filed as: HILARY REDOLEC | 8200 WISCONSIN AVE APT 808 BETHESDA, MD 20814 | CONTINENTAL AMERICAN INSURANCE COMPANY | $597 | $0 | $597 | 4.28% |
| MATTHEW D DIPASQUALE3 | 1714 FLEET STREET BALTIMORE, MD 21231 | CONTINENTAL AMERICAN INSURANCE COMPANY | $183 | $0 | $183 | 1.31% |
| MICHAEL C WALKER3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $178 | $0 | $178 | 1.28% |
| JASON A BARE3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | $0 | $11 | 0.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP | 6500 ROCK SPRING DR. STE 500 BETHESDA, MD 20817 | LEGAL RESOURCES | $383 | $0 | $383 | 5.95% |
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 | 142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 32 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 235 | $2.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 140 | $175K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 140 | $175K |
| Life insurance | NORTHWESTERN MUTUAL | 190 | $121K |
| Short-term disability | NORTHWESTERN MUTUAL | 190 | $121K |
| Long-term disability | NORTHWESTERN MUTUAL | 190 | $121K |
| Other(3 contracts, 3 carriers) | NORTHWESTERN MUTUAL | 190 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.