| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR SUITE 500 BETHESDA, MD 20817 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $37K | $37K | 4.17% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE MARYLAND | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21286 | UNITEDHEALTHCARE INSURANCE COMPANY | -$11K | $0 | -$11K | -1.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | UNITED CONCORDIA INSURANCE COMPANY | $3K | $3K | $6K | 9.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC. | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $2K | $10K | 19.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | FIDELITY SECURITY LIFE INSURANCE | $1K | $0 | $1K | 10.00% |
| ARLENE G GERST3 | 15100 INTERLACHEN DR APT 308 SILVER SPRING, MD 20906 | AFLAC | $1K | $0 | $1K | — |
| HELEN P LIPCHOCK3 | 3204 GRAY MARSH CT IJAMSVILLE, MD 21754 | AFLAC | $416 | $0 | $416 | — |
| BRYAN FISH3 | 4050 CANDLE LIGHT DR DAYTON, MD 21036 | AFLAC | $171 | $0 | $171 | — |
| DANIEL E ALTMIRE3 | 12800 MIDDLEBROOK RD STE 490 GERMANTOWN, MD 20874 | AFLAC | $77 | $0 | $77 | — |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE CT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $44 | $0 | $44 | — |
| PAUL J GOREY II3 | 2566 RUNNING WOLF TRAIL ODENTON, MD 21113 | AFLAC | $35 | $0 | $35 | — |
| KENNETH B COFER3 | 5950 SYMPHONY WOODS RD STE 214 COLUMBIA, MD 21044 | AFLAC | $14 | $0 | $14 | — |
| JEREMY A FELDMAN3 Filed as: JEREMY FELDMAN | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $9 | $0 | $9 | — |
| GREGORY D HILL3 | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $3 | $0 | $3 | — |
| DAVID J MCCLELLAN3 Filed as: DAVID J WAGENHEIM | 582 WOODBINE AVE TOWSON, MD 21204 | AFLAC | $1 | $0 | $1 | — |
| KELLY LYNN FELDMAN3 Filed as: KELLY ANNE FELDMAN | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $1 | $0 | $1 | — |
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 | 110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 224 | $891K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 60 | $69K |
| Vision | FIDELITY SECURITY LIFE INSURANCE | 160 | $13K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $50K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $50K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $50K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.