| 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 | $5K | $74K | $79K | 5.74% |
| 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 | $13K | $0 | $13K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $8K | $8K | 3.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | $601 | $19K | 15.48% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $8K | $8K | 6.24% |
| 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 | $460 | $16K | 15.45% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 6.18% |
| 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 | $343 | $12K | 15.46% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 6.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $212 | $8K | 15.43% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 6.25% |
| GROUP VISION SERVICES MGMT INC3 Filed as: GROUP VISION SERVICE INC | 6700 ALEXANDER BELL DR #200 COLUMBIA, MD 21046 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $0 | $4K | $4K | 8.94% |
| FIRST AMERICAN ADMINISTRATORS3 | 4000 LUXOTTICA PLACE MASON, OH 45040 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.47% |
| FORREST T JONES AND COMPANY, INC3 Filed as: FORREST T. JONES & COMPANY | 3130 BROADWAY KANSAS CITY, MO 64111 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE #500 BETHESDA, MD 20817 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.52% |
| FINANCIAL BENEFIT SERVICES LLC3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $611 | $0 | $611 | 1.45% |
| EPIC3 Filed as: EPIC HEARING SERVICES | 3191 W TEMPLE AVE SUITE 200 POMONA, CA 91768 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $0 | $32 | $32 | 0.08% |
| INTERMEDIARIES LLC3 | 4408 FOREST DRIVE SUITE 202 COLUMBIA, SC 29206 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $0 | $6 | $6 | 0.01% |
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 | 580 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 234 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 822 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 239 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 325 | $259K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 554 | $42K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 580 | $125K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 471 | $125K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 580 | $101K |
| Prescription drug | CAREFIRST BLUECHOICE | 239 | $1.4M |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 580 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 580 | — |
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.