| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FINANCIAL BENEFIT SERVICES INS LLC3 Filed as: FINANCIAL BENEFIT SERVICES INSUR | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | CAREFIRST BLUECHOICE | $47K | $13K | $60K | 5.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $6K | $16K | 8.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $391 | $15K | 15.40% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 5.00% |
| MARK S METTILLE3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $303 | $12K | 15.40% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.00% |
| MARK S METTILLE3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $227 | $9K | 15.40% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.00% |
| MARK S METTILLE3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $848 | $848 | 1.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $161 | $6K | 15.43% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| MARK S METTILLE3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $677 | $677 | 1.82% |
| FINANCIAL BENEFIT SERVICES LLC3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.00% |
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 | 472 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 38 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 514 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 211 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 273 | $185K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 468 | $27K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 472 | $94K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 472 | $98K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 470 | $76K |
| Prescription drug | CAREFIRST BLUECHOICE | 211 | $1.2M |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 472 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 472 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.