| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC. | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $38K | $38K | 4.24% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE MARYLAND | 501 FAIRMOUN AVE STE 400 TOWSON, MD 21286 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $0 | $11K | 1.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP, INC. | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $11K | 6.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | FIDELITY SECURITY LIFE INSURANCE | $2K | $0 | $2K | 9.99% |
| ARLENE G GERST3 | 15100 INTERLACHEN DR APT 308 SILVER SPRING, MD 20906 | AFLAC | $437 | $0 | $437 | 6.01% |
| HELEN P LIPCHOCK3 | 3204 GRAY MARSH CT IJAMSVILLE, MD 21754 | AFLAC | $214 | $0 | $214 | 2.94% |
| DANIEL E ALTMIRE3 | 12800 MIDDLEBROOK RD STE 490 GERMANTOWN, MD 20874 | AFLAC | $84 | $0 | $84 | 1.16% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE CT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $54 | $0 | $54 | 0.74% |
| PAUL J GOREY II3 | 2566 RUNNING WOLF TRAIL ODENTON, MD 21113 | AFLAC | $32 | $0 | $32 | 0.44% |
| BRYAN FISH3 | 4050 CANDLE LIGHT DR DAYTON, MD 21036 | AFLAC | $30 | $0 | $30 | 0.41% |
| KENNETH B COFER3 | 5950 SYMPHONY WOODS RD STE 214 COLUMBIA, MD 21044 | AFLAC | $13 | $0 | $13 | 0.18% |
| JEREMY A FELDMAN3 Filed as: JEREMY FELDMAN | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $2 | $0 | $2 | 0.03% |
| GREGORY D HILL3 | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $1 | $0 | $1 | 0.01% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 243 | $896K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $156K |
| Vision | FIDELITY SECURITY LIFE INSURANCE | 204 | $18K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $156K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $156K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $156K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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."
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.