| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 222 CENTRAL PARK AVENUE SUITE 1340 VIRGINIA BEACH, VA 23462 | UNITEDHEALTHCARE INSURANCE COMPANY | $38K | — | $38K | 2.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC/THE | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | UNITEDHEALTHCARE INSURANCE COMPANY | $28K | — | $28K | 1.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRINGS DR. STE 500 BETHESDA, MD 20817 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $47K | — | $47K | 6.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 222 CENTRAL PARK AVENUE SUITE 1340 VIRGINIA BEACH, VA 23462 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $24K | — | $24K | 3.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 208171149 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $1K | $13K | 6.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 222 CENTRAL PARK AVENUE SUITE 1340 VIRGINIA BEACH, VA 23462 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $1K | $12K | 5.74% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST FL 8 BUFFALO, NY 142042265 | METROPOLITAN LIFE INSURANCE COMPANY | — | $10K | $10K | 4.99% |
| 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 | — | $1K | 0.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $1K | $7K | 6.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 222 CENTRAL PARK AVENUE SUITE 1340 VIRGINIA BEACH, VA 23462 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 4.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $976 | $6K | 6.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 222 CENTRAL PARK AVENUE SUITE 1340 VIRGINIA BEACH, VA 23462 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 4.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $847 | $5K | 6.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 222 CENTRAL PARK AVENUE SUITE 1340 VIRGINIA BEACH, VA 23462 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 4.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 222 CENTRAL PARK AVENUE SUITE 1340 VIRGINIA BEACH, VA 23462 | AETNA LIFE INSURANCE COMPANY | $11K | $9K | $20K | 35.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $2K | $3K | 9.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 222 CENTRAL PARK AVENUE SUITE 1340 VIRGINIA BEACH, VA 23462 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.86% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST 8TH FLOOR BUFFALO, NY 14204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 5.00% |
| FINANCIAL BALANCE GROUP LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18 | — | $18 | 0.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC. | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $216 | $1K | 6.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 222 CENTRAL PARK AVENUE SUITE 1340 VIRGINIA BEACH, FL 23462 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $875 | — | $875 | 4.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 222 CENTRAL PARK AVENUE SUITE 1340 VIRGINIA BEACH, VA 23462 | MONUMENTAL LIFE INSURANCE COMPANY | $216 | — | $216 | 2.85% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | — | MONUMENTAL LIFE INSURANCE COMPANY | $130 | — | $130 | 1.72% |
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 | 349 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 351 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 292 | $2.7M |
| Dental(4 contracts, 4 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 263 | $1.0M |
| Vision(4 contracts, 4 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 155 | $856K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 349 | $375K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 349 | $95K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 349 | $83K |
| Prescription drug(4 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 292 | $2.7M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 349 | $228K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 349 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.