| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | NFP BENEFITS MA REGIONAL LCKBX PHILADELPHIA, PA 19178 | HARTFORD LIFE AND ACCIDENT | $50K | $0 | $50K | 6.94% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP COPORATE SERVICES (TX), LLC | ATTN THOMAS ZIMMER STE 600 AUSTIN, TX 78746 | HARTFORD LIFE AND ACCIDENT | $0 | $7K | $7K | 1.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR SUITE 500 BETHESDA, MD 20817 | DELTA DENTAL INSURANCE COMPANY | $26K | $0 | $26K | 4.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP MELTZER GROUP BENEFITS | 6500 ROCK SPRING DR SUITE 500 BETHESDA, MD 20817 | EYEMED VISION CARE | $13K | $0 | $13K | 14.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | NFP BENEFITS MA REGIONAL LCKBX PO BOX 783088 PHILADELPHIA, PA 19178 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 7.50% |
| BROKER NOT PROVIDED3 | — | TELADOC HEALTH, INC. | $4K | $0 | $4K | 14.97% |
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 | 819 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 21 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 845 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 1,463 | $652K |
| Vision | EYEMED VISION CARE | 1,218 | $85K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 819 | $724K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 819 | $724K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 672 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,463 | — |
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.