| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | CAREFIRST BLUECHOICE, INC. | $0 | $94K | $94K | 3.91% |
| POTOMAC BASIN GROUP ASSOCIATES LLC5 Filed as: POTOMAC BASIN GROUP ASSOCIATES | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | CAREFIRST BLUECHOICE, INC. | $0 | $17K | $17K | 0.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 410 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $1K | $7K | 5.48% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 SUITE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $319 | $4K | 10.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $341 | $3K | 8.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6707 DEMOCRACY BLVD SUITE 500 BETHESDA, MD 20817 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 17.91% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 17.74% |
| MATTHEW D DIPASQUALE3 | 1610 SHIRLEY AVE JOPPA, MD 21085 | TRANSAMERICA LIFE INSURANCE COMPANY | $18 | $0 | $18 | 0.08% |
| HILLARY B RADOLEC3 | 165 CROSSBOW LN GAITHERSBURG, MD 20878 | TRANSAMERICA LIFE INSURANCE COMPANY | $9 | $0 | $9 | 0.04% |
| JENNIFER D EBAUGH3 | 1670 D MOHEGAN DRIVE HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $7 | $0 | $7 | 0.03% |
| KYRA CONTOMANOLIS3 | 593 KIRKCALDY WAY ABINGDON, MD 21009 | TRANSAMERICA LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $133 | $2K | 10.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP BENEFITS | 6500 ROCK SPRING DRIVE SUITE 410 BETHESDA, MD 20817 | VISION SERVICE PLAN | $1K | $0 | $1K | 7.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $678 | $61 | $739 | 10.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $20 | $20 | — |
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 | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 41 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 338 | $2.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 455 | $136K |
| Vision | VISION SERVICE PLAN | 139 | $19K |
| Life insurance(3 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 195 | $51K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 195 | $36K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 195 | $37K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 338 | $2.4M |
| Other(3 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 195 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 455 | — |
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.