| 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) | $33K | $0 | $33K | 12.91% |
| SAUL R LOCKER3 Filed as: SAUL RICHARD LOCKER | 1099 18TH ST SUITE 2870 DENVER, CO 80202 | SUN LIFE AND HEALTH INSURACE COMPANY (US) | $10K | $0 | $10K | 3.88% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER BENEFITS CONSULTING LLC | 1099 18TH ST SUITE 2870 DENVER, CO 80202 | SUN LIFE AND HEALTH INSURACE COMPANY (US) | $10K | $0 | $10K | 3.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR STE 500 SUITE 500 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 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 | 942 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 949 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,394 | $63K |
| Life insurance | SUN LIFE AND HEALTH INSURACE COMPANY (US) | 1,876 | $259K |
| Other | SUN LIFE AND HEALTH INSURACE COMPANY (US) | 1,876 | $259K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,876 | — |
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.