| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 208170000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $41K | — | $41K | 1.62% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 079320000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $36K | $36K | 1.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC. | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $2K | $654 | $3K | 9.36% |
| SAVOY ASSOCIATES3 Filed as: SAVOY ASSOICATES | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $2K | $2K | 5.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SOUTH EIGHT STREET SUITE 700 MINNEAPOLIS, MN 55402 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $176 | — | $176 | 0.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $2K | $406 | $3K | 14.08% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $1K | $1K | 5.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SOUTH EIGHT STREET SUITE 700 MINNEAPOLIS, MN 55402 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $224 | — | $224 | 1.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP BENEFITS | 6500 ROCK SPRING DRIVE SUITE 410 BETHESDA, MD 20817 | VISION SERVICE PLAN | $524 | — | $524 | 3.11% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SOUTH EIGHT STREET SUITE 700 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $417 | — | $417 | 2.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $1K | $290 | $2K | 11.75% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $718 | $718 | 5.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SOUTH EIGHT STREET SUITE 700 MINNEAPOLIS, MN 55402 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $109 | — | $109 | 0.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC. | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $413 | $62 | $475 | 15.42% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $154 | $154 | 5.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SOUTH EIGHT STREET SUITE 700 MINNEAPOLIS, MN 55402 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $49 | — | $49 | 1.59% |
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 | 156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 131 | $2.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 131 | $2.5M |
| Vision | VISION SERVICE PLAN | 133 | $17K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 156 | $14K |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 157 | $33K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 157 | $20K |
| Other | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 157 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.