We exist to shape decisions for the better — to protect and enrich the lives of people around the world. Our colleagues provide our clients in over 120 countries and sovereignties with advice and solutions that give them the clarity and confidence to make better decisions to protect and grow their business.

Full service insurance brokerage, helping our clients design and implement progressive and scalable insurance programs that help contain costs, provide exceptional benefits and properly inform employees about their wonderful benefit programs.

Marsh McLennan Agency (MMA) provides business insurance, employee health & benefits, retirement, and private client insurance solutions to organizations and individuals seeking limitless possibilities. With over 9,000 colleagues and 160 offices across the United States and Canada, MMA combines the personalized service model of a local consultant with the global resources and expertise of the world’s leading professional services firm, Marsh McLennan (NYSE: MMC). MMA generates more than $2 billion in annualized revenue, making it one of the largest brokerage operations in North America.

HUB International, a national insurance consultant, boasts a prominent office in Rockville, Maryland, where they have proven their exceptional skills in catering to diverse clients. With a commendable track record, they have collaborated with SBG Technology Solutions, an employer in the architectural, engineering, and related services industry, consisting of 100 members. Working closely with SBG's HR and finance teams, HUB International devised a comprehensive range of insurance solutions, including a self-funding arrangement, HMO plan, PPO plan, PBM, and drug plan, tailored precisely to meet the unique needs of their members. The Rockville location of HUB International showcases their extensive experience in handling self-funded clients adeptly. They exhibit a strong proficiency in working with HMOs, ensuring optimal solutions for clients. Furthermore, they have demonstrated expertise in collaborating with clients and PPOs to meet the specific requirements of members. Their knowledge and competence extend to PBMs and other specialized pharmacy providers, making them an all-encompassing insurance broker for organizations of all sizes, including large, midsize, and small employers. HUB International's clientele in the Rockville office includes esteemed companies like Abs Southeast LLC, Airline Tariff Publishing Company (ATPCO), American Society of Clinical Oncology, and Bcfs. The company's services extend beyond Maryland, reaching clients in Virginia, the District of Columbia, North Carolina, Texas, Pennsylvania, Florida, Indiana, and New Hampshire. Their stellar reputation is reinforced by an outstanding M Score, earned through their extensive experience and expertise in serving clients across various industries and product offerings. Reviews from satisfied clients consistently highlight HUB International's commitment to exceptional customer service and unwavering expertise. Their proficiency spans professional, scientific, and technical services, computer systems design, and health practitioners industries. As a trusted insurance broker, HUB International stands out for their exemplary service and dedication to client satisfaction.

EHD Insurance is a highly reputable regional insurance consultant, headquartered in Lancaster, Pennsylvania. With an impressive presence across multiple states including Kentucky, South Dakota, Florida, Texas, Kansas, Nevada, Mississippi, Indiana, Pennsylvania, Iowa, Minnesota, Wisconsin, California, and Louisiana, they serve a diverse client base. EHD Insurance's commitment to excellence is exemplified through their work with York Graphic Services Co., a prominent employer in the printing and related support activities industry. Collaborating closely with the HR and finance team at York Graphic Services Co., EHD Insurance successfully implemented a comprehensive insurance program that included a self-funding arrangement, a PPO plan, PBM, and drug plan. These solutions were meticulously designed to cater to the unique needs of the company's 160-member workforce. With extensive experience in the Lancaster, PA market, EHD Insurance is one of the top brokerages in the region. Their remarkable track record and expertise across client sizes, industries, and products have earned them one of the highest M Scores possible. EHD Insurance boasts strong expertise in various industries, including 0, miscellaneous manufacturing, and professional and commercial equipment and supplies merchant wholesalers. Their profound understanding of these sectors allows them to develop tailored insurance solutions that effectively address the specific risks and challenges faced by their clients. Notable employer clients of this location include Allen Distribution Corporate Office, Amicus Therapeutics Inc., Community Action Partnership of Lancaster County, and D. F. Stauffer Biscuit Company Inc. Through their exceptional experience, extensive product knowledge, and commitment to meeting client needs, EHD Insurance has become a trusted partner for large, midsize, and small employers alike.

The Air Line Pilots Association, Int'l (ALPA) is the largest airline pilot union in the world, representing more than 74,000 pilots at 42 airlines in the U.S. & Canada. For more information, visit http://www.alpa.org. Founded in 1931, the Association is chartered by the AFL-CIO and the Canadian Labour Congress. Known internationally as US-ALPA, it is also a member of the International Federation of Air Line Pilot Associations (IFALPA).

Carefirst BC/BS's Baltimore, MD office, located in the Canton Tower at 1501 South Clinton Street, is a prominent insurance brokerage firm with a strong focus on serving local and regional employers. They specialize in providing comprehensive medical and ancillary benefits, leveraging their deep expertise to cater to a diverse client base. A notable example of their clientele is Ngk-Locke Section 125 Plan, a player in the electrical equipment and component manufacturing industry based in Virginia, which boasts over 100 participants. This Carefirst office stands out for its strategic location and operational hours, which are from 10 a.m. to 6 p.m., Monday through Friday, making it accessible for business consultations and client engagements. The Baltimore office is part of CareFirst's broader network that extends throughout Maryland, Washington, D.C., and Northern Virginia, indicating a strong regional presence and a commitment to offering tailored insurance solutions to a varied spectrum of businesses and organizations【8†source】. This description gives an employer benefits buyer a comprehensive overview of Carefirst BC/BS's Baltimore office, highlighting their specialized services, client diversity, and operational specifics, which are crucial for informed decision-making.

Dye & Eskin, Inc. is one of the most prominent and trusted independent administrators of life and disability insurance products for highly compensated employees in the world. D&E is one of the most unique insurance entities in the world. Prior to the formation of D&E in 1980, Frank Dye and Rick Eskin were independent insurance salesmen with most of their attention centered in the advanced markets of estate planning and executive benefits for individuals and companies. In year 2000 much of the firm’s direction changed to the development of insurance products — teaming up with prominent insurance companies, as an administrator, to introduce products/programs that otherwise had not previously existed. D&E creates specialized, guarantee and simplified issue type life and disability insurance programs in the executive and employee benefits area. D&E is an internationally recognized insurance agency with insurance programs in all 50 U.S. states, and coverage in 38 separate countries. We specialize in marketing, administration, consultation, and sale of life and disability insurance products. D&E has built a reputation founded on the principal of integrity — and a mission committed to bringing quality products, competitive pricing, and dedicated service to agents, brokerage general agents, consultants, and clients. D&E markets to agents, brokerage general agents, and consultants — educating these entities to the value of our unique programs, so that they, in turn, will enlighten their prospects and clients. The D&E model for success has been a long term desire to produce value via creative solutions to corporate benefit needs — “Creating Victories®.” D&E has introduced a series of “first in the industry” programs… A-List Term™ InTERM® Corporate Excess Disability insurance (CEDi)® LTD5