| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS LLC | 195 BROADWAY, 15TH FLOOR NEW YORK, NY 10007 | CAREFIRST OF MARYLAND, INC. | $0 | $107K | $107K | 3.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR SUITE 500 BETHESDA, MD 20817 | CAREFIRST OF MARYLAND, INC. | $0 | $32K | $32K | 1.14% |
| MATHER & STROHL ADMINISTRATIVE SVCS5 | 12404 PARK CENTRAL DR SUITE 400 DALLAS, TX 75251 | CAREFIRST OF MARYLAND, INC. | $0 | $7K | $7K | 0.25% |
| MATHER BENEFIT ADMINISTRATORS, LLC5 | 10540 YORK ROAD COCKEYSVILLE, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | $39K | $22K | $61K | 13.40% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $872 | $0 | $872 | 0.19% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS LLC | 195 BROADWAY FL 15 NEW YORK, NY 10007 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $11 | $11 | 0.00% |
| NAMELY EMPLOYEE BENEFITS, LLC3 | 195 BROADWAY 15FL NEW YORK, NY 10007 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $3K | $9K | 14.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 SUITE 500 BETHESDA, MD 20817 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 9.60% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 3.00% |
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 | 644 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 69 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 715 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST OF MARYLAND, INC. | 537 | $2.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 614 | $456K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 614 | $456K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 614 | $456K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 614 | $456K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 614 | $456K |
| Prescription drug | CAREFIRST OF MARYLAND, INC. | 537 | $2.8M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 614 | $520K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 614 | — |
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.