| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | GHMSI/ CAREFIRST BLUECHOICE | — | $72K | $72K | 4.10% |
| POTOMAC BASIN GROUP ASSOCIATES LLC5 Filed as: POTOMAC BASIN GROUP ASSOC LLC | 4740 CORRIDOR PLACE, SUITE B BELTSVILLE, MD 20705 | GHMSI/ CAREFIRST BLUECHOICE | — | $17K | $17K | 0.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 208171149 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $1K | $12K | 7.32% |
| 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 | $1K | $0 | $1K | 0.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE STE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $0 | $13K | 13.02% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.18% |
| BROKER NOT PROVIDED3 Filed as: BROKER ADDRESS NOT PROVIDED | — | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.68% |
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 | 208 | 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) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GHMSI/ CAREFIRST BLUECHOICE | 270 | $1.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 367 | $163K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 250 | $19K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 191 | $101K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 191 | $101K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 191 | $101K |
| Prescription drug | GHMSI/ CAREFIRST BLUECHOICE | 270 | $1.8M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 191 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.