| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC. | 6500 ROCK SPRING DRIVE STE 500 BETHESDA, MD 20817 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | $0 | $44K | $44K | 4.85% |
| POTOMAC BASIN GROUP ASSOCIATES LLC3 Filed as: POTOMAC BASIN GROUP ASSOC LLC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | $0 | $5K | $5K | 0.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC. | 6500 ROCK SPRING DRIVE STE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $0 | $8K | 12.57% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TEXAS HWY WEST LAKE HILLS, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $675 | $675 | 1.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC. | — | DELTA DENTAL OF PENNSYLVANIA | $4K | $0 | $4K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC0 Filed as: THE MELTZER GROUP INC. | 6500 ROCK SPRING DRIVE STE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.40% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY WEST LAKE HILLS, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $124 | $124 | 0.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC. | 6500 ROCK SPRING DRIVE STE 410 BETHESDA, MD 20817 | VISION SERVICE PLAN | $692 | $0 | $692 | 7.48% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR. LLC | 7979 OLD GEORGETOWN ROAD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $46 | $0 | $46 | 0.50% |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 122 | $915K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 73 | $45K |
| Vision | VISION SERVICE PLAN | 60 | $9K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 135 | $13K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 134 | $67K |
| Prescription drug | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 122 | $915K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 135 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.
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.