| 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 | SUN LIFE AND HEALTH INSURACE COMPANY (US) | $20K | $0 | $20K | 7.43% |
| SAUL R LOCKER3 Filed as: SAUL RICHARD LOCKER | 1099 18TH ST SUITE 2870 DENVER, CO 80202 | SUN LIFE AND HEALTH INSURACE COMPANY (US) | $6K | $0 | $6K | 2.23% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER BENEFITS CONSULTING LLC | 1099 18TH ST SUITE 2870 DENVER, CO 80202 | SUN LIFE AND HEALTH INSURACE COMPANY (US) | $6K | $0 | $6K | 2.23% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 SUITE 125 AUSTIN, TX 78746 | SUN LIFE AND HEALTH INSURACE COMPANY (US) | $0 | $2K | $2K | 0.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR STE 500 SUITE 500 BETHESDA, MD 20817 | HM LIFE INSURANCE COMPANY | $5K | $0 | $5K | 7.00% |
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 | 1,389 | 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) | 1,389 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HM LIFE INSURANCE COMPANY | 1,504 | $69K |
| Life insurance | SUN LIFE AND HEALTH INSURACE COMPANY (US) | 7,544 | $263K |
| Other | SUN LIFE AND HEALTH INSURACE COMPANY (US) | 7,544 | $263K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,544 | — |
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.
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.