| 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 | GHMSI/ CAREFIRST BLUECHOICE | $36K | $17K | $53K | 5.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 208171149 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $5K | 4.49% |
| GROUP BENEFIT SERVICES INC5 | 6 N PARK DR STE 310 HUNT VALLEY, MD 210301821 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.16% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $584 | $0 | $584 | 0.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC | 6500 ROCK SPRING DRIVE STE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $2K | $14K | 13.39% |
| FIRST NATIONAL INSURANCE AGENCY3 | 2400 BROAD STREET TIMONIUM, MD 21093 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.84% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $513 | $513 | 0.49% |
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 | 206 | 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) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GHMSI/ CAREFIRST BLUECHOICE | 310 | $1.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 203 | $106K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 275 | $18K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 219 | $105K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 219 | $105K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 219 | $105K |
| Prescription drug | GHMSI/ CAREFIRST BLUECHOICE | 310 | $1.0M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 219 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.