| 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 | $13K | $0 | $13K | 2.72% |
| JAMES D EDMONDS3 Filed as: JAMES EDMONDS | 788 BLACK SWEEP RD WARRENTON, VA 20186 | AFLAC | $13K | $985 | $14K | 7.07% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC | 20 S KING ST STE 300 LEESBURG, VA 20175 | AFLAC | $4K | $0 | $4K | 1.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | AFLAC | $3K | $0 | $3K | 1.53% |
| LATANYA L BROOKS3 | 9723 RIDGE POINT LN SUITE 500 BETHESDA, MD 22408 | AFLAC | $2K | $25 | $2K | 1.16% |
| CYNTHIA MYER3 | 2333 COUNTY ROAD 250 DURANGO, CO 81301 | AFLAC | $2K | $219 | $2K | 1.02% |
| ROY GRESHAM3 | 8698 YOUNG COURT SPRINGFIELD, VA 22153 | AFLAC | $1K | $86 | $2K | 0.78% |
| ROGER CURTIS POWELL3 | 5637 SHAMROCK HTS COLORADO SPRINGS, CO 80923 | AFLAC | $761 | $193 | $954 | 0.48% |
| GERALD MEGGETT3 | 12020 SWALLOW FALLS CT SILVER SRPING, MD 20904 | AFLAC | $823 | $0 | $823 | 0.42% |
| GARY GREENE3 | 1609 W ARLINTON BLVD STE 102 GREENVILLE, NC 27858 | AFLAC | $537 | $0 | $537 | 0.27% |
| DANIEL J LONG3 Filed as: DANIEL LONG | 6100 CHEVY CHASE DR STE 102 LAUREL, MD 20707 | AFLAC | $478 | $0 | $478 | 0.24% |
| DAVID MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $419 | $0 | $419 | 0.21% |
| RYAN DREBING3 Filed as: RYAN A DREBING | 2112 N ROAN STREET SUITE 702 JOHNSON CITY, TN 37601 | AFLAC | $342 | $0 | $342 | 0.17% |
| DIANE M EDMONDS3 | 788 BLACK SWEEP RD WARRENTON, VA 20186 | AFLAC | $321 | $0 | $321 | 0.16% |
| BENJAMIN KLINGER3 | 5503 SPRUCE TREE AVENUE BETHESDA, MD 20814 | AFLAC | $272 | $0 | $272 | 0.14% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $170 | $0 | $170 | 0.09% |
| ROBERT POTTER3 | 445 CANYON DR MESQUITE, NV 89027 | AFLAC | $157 | $0 | $157 | 0.08% |
| TERRY A DIGENNARO3 | 5907 SARGENT ROAD HYATTSVILLE, MD 20782 | AFLAC | $145 | $0 | $145 | 0.07% |
| NEIL M MORGAN JR3 | 1904 ELLIS DRIVE MAIDENS, VA 23102 | AFLAC | $136 | $0 | $136 | 0.07% |
| SHEILA L RAITCH3 | 5524 LIBER COURT GAINESVILLE, VA 20155 | AFLAC | $108 | $22 | $130 | 0.07% |
| DUANE A ADAMS3 | 11520 NUCKOLS ROAD SUITE 103 GLEN ALLEN, VA 23059 | AFLAC | $116 | $0 | $116 | 0.06% |
| ROBERT A ANDERSON3 | GENERAL GEARY COURT FREDERICKSBURG, VA 22407 | AFLAC | $110 | $0 | $110 | 0.06% |
| STEPHEN BEAMAN3 | 1401 KIMBERLY ROAD NEW BERN, NC 28562 | AFLAC | $110 | $0 | $110 | 0.06% |
| PETER JAMES SARANTIS3 Filed as: PETER SARANTIS | 26200 TOWN CENTER DR SUITE 110 NOVI, MI 48375 | AFLAC | $92 | $0 | $92 | 0.05% |
| KENNETH LLOYD DOTSON3 | 119 EGAN AVENUE DAYTON, NV 89403 | AFLAC | $86 | $0 | $86 | 0.04% |
| JASON VAN LE3 | 43388 NOTTINGHAM SQ ASHBURN, VA 20147 | AFLAC | $86 | $0 | $86 | 0.04% |
| SANDY J RYAN3 | PO BOX 67 LOVETTSVILLE, VA 20180 | AFLAC | $70 | $0 | $70 | 0.04% |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $69 | $0 | $69 | 0.04% |
| RICHARD J KRESINSKE3 | 4004 ATLANTIC AVENUE APARTMENT 803 VIRGINIA BEACH, VA 23451 | AFLAC | $61 | $0 | $61 | 0.03% |
| THE INSURANCE EXCHANGE INC3 | 9713 KEY WEST AVENUE SUITE 401 ROCKVILLE, ME 20850 | AFLAC | $57 | $0 | $57 | 0.03% |
| NAZARATE A GOLA3 | 5258 HERON CREEK BLVD COLUMBUS, OH 43213 | AFLAC | $57 | $0 | $57 | 0.03% |
| ROBERT CAVALERI3 Filed as: ROBERT VINCENT CAVALERI | 11350 MOORE DRIVE MANASSAS, VA 20111 | AFLAC | $49 | $0 | $49 | 0.02% |
| DAVID B. KITCHEN3 Filed as: DAVID B KITCHEN | 1260 N DUTTON AVENUE SUITE 180 SANTA ROSA, CA 95401 | AFLAC | $48 | $0 | $48 | 0.02% |
| DENISE F BEAMAN3 | 2 EDITH DRIVE JACKSONVILLE, NC 28540 | AFLAC | $45 | $0 | $45 | 0.02% |
| WALLACE S BRADY3 Filed as: WALLACE BRADY | 3701 ASHBROOK DR NW APT 1006 WILSON, NC 27896 | AFLAC | $43 | $0 | $43 | 0.02% |
| DEBORAH LEE SMITH3 | 2236 LOCH LOMOND DRIVE VIENNA, VA 22181 | AFLAC | $41 | $0 | $41 | 0.02% |
| AMELIA MORGAN3 Filed as: AMELIA KAY MORGAN | 1904 ELLIS DRIVE MAIDENS, VA 23102 | AFLAC | $36 | $0 | $36 | 0.02% |
| JEREMY A FELDMAN3 | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $36 | $0 | $36 | 0.02% |
| MICHELLE SARANTIS3 | 9110 RAILROAD DR MANASSAS PARK, VA 20111 | AFLAC | $34 | $0 | $34 | 0.02% |
| SHELLY T PROUT3 | 9500 MEDICAL CENTER DR SUITE 230E LARGO, MD 20774 | AFLAC | $30 | $0 | $30 | 0.02% |
| GREGORY D HILL3 | 16142 SWALLOWTAIL PLACE MIDLOTHIAN, VA 23113 | AFLAC | $26 | $0 | $26 | 0.01% |
| NICHOLAS WAGNER3 | 4665 HAGOOD ROAD SUITE 402 VIRGINIA BEACH, VA 23455 | AFLAC | $25 | $0 | $25 | 0.01% |
| BARRY A WHITE3 | 4506 BANTAM WAY ELK GROVE, CA 95758 | AFLAC | $25 | $0 | $25 | 0.01% |
| JASON ALLAN BARE3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $20 | $4 | $24 | 0.01% |
| JAMES A TAFT JR3 | 573 CANE RUN STREET HARRODSBURG, KY 40330 | AFLAC | $22 | $0 | $22 | 0.01% |
| EDWIN VEGA3 | 134 PINECONE AVENUE ODENTON, MD 21113 | AFLAC | $20 | $0 | $20 | 0.01% |
| MATT S BUCHANAN3 | 1633 YORK MILLS LANE RESTON, VA 20194 | AFLAC | $17 | $0 | $17 | 0.01% |
| MICHAEL C WALKER3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $12 | $4 | $16 | 0.01% |
| DANIEL M SMITH3 | 12820 WEST CREEK PARKWAY SUITE K RICHMOND, VA 23238 | AFLAC | $15 | $0 | $15 | 0.01% |
| RUSSELL TINNEY3 | 3440 TORRINGTON WAY APT 7 FAYETEVILLE, VA 28314 | AFLAC | $12 | $0 | $12 | 0.01% |
| ROSEMARIE SWAIM3 | 155 SILVER SADDLE CIRCLE WEATHERFORD, TX 76087 | AFLAC | $12 | $0 | $12 | 0.01% |
| ERIC BERNARD MCGLINLEY3 | 12110 SUNSET HILLS ROAD SUITE 340 RESTON, VA 20190 | AFLAC | $9 | $0 | $9 | 0.00% |
| BONNIE L TAFT3 | 573 CANE RUN STREET HARRODSBURG, KY 40330 | AFLAC | $9 | $0 | $9 | 0.00% |
| LINDSEY JO MARTIN3 | 1450 M ULMER STREET GREENWOOD, AR 72936 | AFLAC | $9 | $0 | $9 | 0.00% |
| LONA BISHOP3 Filed as: LONA L BISHOP | PO BOX 645 LURAY, VA 22835 | AFLAC | $8 | $0 | $8 | 0.00% |
| LES HEINSEN INS SERVICES INC3 Filed as: LES HEINSEN INSURANCE SERVICES INC | 4416 VIA PALAGIO FAIR OAKS, CA 95628 | AFLAC | $8 | $0 | $8 | 0.00% |
| DALE D MEGGETT3 | 12020 SWALLOW FALLS COURT SILVER SPRING, MD 20904 | AFLAC | $8 | $0 | $8 | 0.00% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT INSURANCE SERVICES LLC | 204 CATOCTIN CIR SE LEESBURG, VA 20175 | AFLAC | $7 | $0 | $7 | 0.00% |
| MICHELE T PAYNE3 | 18026 TAYLORS CREEK ROAD MONTPELIER, VA 23192 | AFLAC | $7 | $0 | $7 | 0.00% |
| SHEM J BOSTICK3 | 1620 S DITMAR STREET OCEANSIDE, CA 92054 | AFLAC | $7 | $0 | $7 | 0.00% |
| THE DIAMOND AGENCY LLC3 | 1017 ASHES DR SUITE 106 WILMINGTON, NC 28405 | AFLAC | $6 | $0 | $6 | 0.00% |
| IRUM LE3 | 43388 NOTTINGHAM SQUARE ASHBURN, VA 20147 | AFLAC | $5 | $0 | $5 | 0.00% |
| JEANNETTE E FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $5 | $0 | $5 | 0.00% |
| YVONNE CRISPINO KLINGER3 | 152 ROLLINS AVENUE SUITE 210 ROCKVILLE, MD 20852 | AFLAC | $5 | $0 | $5 | 0.00% |
| AMIT JAIN3 | 7169 DEEP FALLS WAY ELKRIDGE, MD 21075 | AFLAC | $4 | $0 | $4 | 0.00% |
| JEFFERY S GIBSON3 Filed as: JEFFERY SCOTT GIBSON | 3009 HUNTON COTTAGE LN GLEN ALLEN, VA 23059 | AFLAC | $4 | $0 | $4 | 0.00% |
| JOHN FRAZIER3 | 8136 MARCY AVENUE SPRINGFIELD, VA 22152 | AFLAC | $4 | $0 | $4 | 0.00% |
| THOMAS E HATCHER JR3 | 1588 BAYTREE DRIVE HARRELLS, NC 28444 | AFLAC | $4 | $0 | $4 | 0.00% |
| NICHOLAS E VIGIL3 | 120 ROCKBOLT CIRCLE FOLSOM, CA 95630 | AFLAC | $3 | $0 | $3 | 0.00% |
| POOJA JAIN3 | 3180 YEAGER DRIVE HERNDON, VA 20171 | AFLAC | $2 | $0 | $2 | 0.00% |
| TODD SYKES3 | 1274 SILKY WILLOW DRIVE WAKE FOREST, NC 27587 | AFLAC | $2 | $0 | $2 | 0.00% |
| KELLY LYNN FELDMAN3 | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $2 | $0 | $2 | 0.00% |
| DAVID J MCCLELLAN3 Filed as: DAVID J WAGENHEIM | 582 WOODBINE AVENUE TOWSON, MD 21204 | AFLAC | $2 | $0 | $2 | 0.00% |
| DIVYA JAIN3 | 4401 FAIR LAKES COURT SUITE 304 FAIRFAX, VA 22033 | AFLAC | $1 | $0 | $1 | 0.00% |
| TIFFANY N LEAK3 | 6305 IVY LANE NUMBER 410 GREENBELT, MD 20770 | AFLAC | $1 | $0 | $1 | 0.00% |
| MARK D LUTHER3 | 804 MOOREFIELD PARK DRIVE SUITE 205 NORTH CHESTERFIELD, VA 23236 | AFLAC | $1 | $0 | $1 | 0.00% |
| ARON D TERAN3 | 3812 CARRIAGE HILL DR FREDERICK, MD 21704 | AFLAC | $1 | $0 | $1 | 0.00% |
| CHRISTOPHER PARSONS3 | 193 BEACH ROAD POQUOSON, VA 23662 | AFLAC | $1 | $0 | $1 | 0.00% |
| DAVID NERENBERG3 | 61 CALABASH COURT ROCKVILLE, MD 20850 | AFLAC | $1 | $0 | $1 | 0.00% |
| JESSICA L PORTER3 | 23058 MEADOW MIS RD CLARKSBURG, MD 20871 | AFLAC | $1 | $0 | $1 | 0.00% |
| MICHAEL BENDER3 | 1803 RESEARCH BLVD SUITE 400 ROCKVILLE, MD 20850 | AFLAC | $1 | $0 | $1 | 0.00% |
| ROY D MUNSTER3 | PO BOX 5634 GLEN ALLEN, VA 23058 | AFLAC | $1 | $0 | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $18K | $0 | $18K | 17.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 1250 S CAPITAL OF TX HWY S BUILDING 2, SUITE 125 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | $0 | $15K | 17.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BUILDING 2, SUITE 125 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $0 | $10K | 17.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 1250 CAPITAL OF TX HWY S BUILDING 2, SUITE 125 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $688 | $688 | 1.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | FIDELITY SECURITY LIFE INSURANCE | $3K | $0 | $3K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $598 | $0 | $598 | 17.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 1250 S CAPITAL OF TX HWY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $44 | $44 | 1.25% |
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 | 914 | 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) | 914 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 663 | $478K |
| Vision | FIDELITY SECURITY LIFE INSURANCE | 1,007 | $58K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 914 | $145K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 703 | $106K |
| Other(3 contracts, 2 carriers) | AFLAC | 914 | $286K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,007 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.