| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC. | 6500 ROCK SPRING DR. STE 500 BETHESDA, MD 20817 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $53K | $48K | $101K | 9.22% |
| ALLIANT INSURANCE SERVICES, INC.3 | 7900 WESTPARK DR. STE T220 MCLEAN, VA 22102 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 1.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC. | 6500 ROCK SPRING DR. STE 500 BETHESDA, MD 20817 | RELIANCE STANDARD INSURANCE COMPANY | $37K | $15K | $52K | 10.32% |
| ALLIANT INSURANCE SERVICES, INC.3 | 7900 WESTPARK DR. T220 MCLEAN, VA 22102 | RELIANCE STANDARD INSURANCE COMPANY | $7K | $5K | $12K | 2.36% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TEXAS HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD INSURANCE COMPANY | — | $5K | $5K | 1.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC. | 6500 ROCK SPRING DR. STE 500 BETHESDA, MD 20817 | RELIANCE STANDARD INSURANCE COMPANY | $18K | $7K | $25K | 10.32% |
| ALLIANT INSURANCE SERVICES, INC.3 | 7900 WESTPARK DR. STE T220 MCLEAN, VA 22102 | RELIANCE STANDARD INSURANCE COMPANY | $3K | $3K | $6K | 2.36% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD INSURANCE COMPANY | — | $3K | $3K | 1.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORP SVCS DBA AGS BENEFITS GRP | 340 MADISON AVE 21ST FL NEW YORK, NY 10010 | RELIASTAR LIFE INSURANCE COMPANY | $59K | — | $59K | 45.67% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICS, INC. | 1420 5TH AVE. STE 1500 SEATTLE, WA 98101 | RELIASTAR LIFE INSURANCE COMPANY | $20K | — | $20K | 15.10% |
| FORESTER BENEFITS MANAGEMENT LLC3 | B8081 KINGSTON PIKE KNOXVILLE, TN 37919 | RELIASTAR LIFE INSURANCE COMPANY | — | $5K | $5K | 3.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC. | 6500 ROCK SPRING DR. STE 500 BETHESDA, MD 20817 | RELIANCE STANDARD INSURANCE COMPANY | $3K | $1K | $5K | 11.70% |
| ALLIANT INSURANCE SERVICES, INC.3 | 7900 WESTPARK DR. STE T220 MCLEAN, VA 22102 | RELIANCE STANDARD INSURANCE COMPANY | $337 | $270 | $607 | 1.48% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TX HWY S STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD INSURANCE COMPANY | — | $369 | $369 | 0.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC. | 6500 ROCK SPRING DR. STE 500 BETHESDA, MD 20817 | FIRST RELIANCE STANDARD INSURANCE COMPANY | $3K | — | $3K | 8.43% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | FIRST RELIANCE STANDARD INSURANCE COMPANY | — | $305 | $305 | 0.88% |
| ALLIANT INSURANCE SERVICES, INC.3 | 7900 WESTPARK DR. STE T220 MCLEAN, VA 22102 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $486 | — | $486 | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC. | 6500 ROCK SPRING DR. STE 500 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $486 | — | $486 | 5.00% |
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 | 1,802 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 59 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,861 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $10K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,422 | $1.1M |
| Life insurance | RELIANCE STANDARD INSURANCE COMPANY | 1,667 | $503K |
| Short-term disability | FIRST RELIANCE STANDARD INSURANCE COMPANY | 166 | $35K |
| Long-term disability | RELIANCE STANDARD INSURANCE COMPANY | 1,668 | $246K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD INSURANCE COMPANY | 1,667 | $674K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,668 | — |
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.