| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC | PO BOX 1414 MINNEAPOLIS, MN 55480 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $6K | $0 | $6K | 4.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 401 BETHESDA, MD 20817 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $5K | $0 | $5K | 4.55% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP MID-ATLANTIC SG LLC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $2K | $0 | $2K | 1.82% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 5800 GRANITE PKWY SUITE 350 PLANO, TX 75024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 5.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $201 | $3K | 4.92% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 5800 GRANITE PKWY SUITE 350 PLANO, TX 75024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 7.99% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $8 | $8 | 0.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $611 | $30 | $641 | 7.86% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 5800 GRANITE PKWY SUITE 350 PLANO, TX 75024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $586 | $0 | $586 | 7.18% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | NCB-88 PO BOX 1414 MINNEAPOLIS, MN 55480 | DENTAQUEST MID-ATLANTIC, INC | $262 | $0 | $262 | 5.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BEHTESDA, MD 20817 | DOMINION NATIONAL | $46 | $0 | $46 | 5.97% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 32 | $121K |
| Dental(2 contracts, 2 carriers) | DENTAQUEST MID-ATLANTIC, INC | 65 | $5K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 130 | $59K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 130 | $51K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 130 | $51K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 130 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.