| 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 20807 | UNITEDHEALTHCARE INSURANCE COMPANY | $75K | $0 | $75K | 11.63% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | PO BOX 120 MOUNT AIRY, MD 21771 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 0.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP, INC. | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20807 | UNITED HEALTHCARE INSURANCE COMPANY | $27K | — | $27K | 4.97% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 20 S KING ST LEESBURG, VA 20175 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 0.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP, INC. | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20807 | UNITED HEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 5.91% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 20 S KING ST LEESBURG, VA 20175 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 3.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | — | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 4.81% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC. | — | HARTFORD LIFE AND ACCIDENT | $673 | — | $673 | 1.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20807 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | — | $2K | 9.48% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC | 200S KING ST LEESBURG, VA 20175 | METROPOLITAN GENERAL INSURANCE COMPANY | $1K | — | $1K | 5.52% |
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 | 565 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 21 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 592 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | INNOVATION HEALTH | 392 | $5.5M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 1,057 | $536K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 1,057 | $536K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 581 | $644K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 581 | $644K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 581 | $644K |
| Other(4 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 581 | $799K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,057 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.