| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC. | 6500 ROCK SPRING DRIVE STE STE 500 BETHESDA, MD 20817 | HEALTH OPTIONS INC. | $42K | $0 | $42K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC. | 6500 ROCK SPRING DRIVE STE STE 500 BETHESDA, MD 20817 | USABLE LIFE | $19K | $0 | $19K | 8.41% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOLUTIONS LLC | 99 WOOD AVENUE SOUTH SUITE 501 ISELIN, NJ 08830 | USABLE LIFE | $5K | $0 | $5K | 2.36% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY JACKSONVILLE, FL 32246 | USABLE LIFE | $3K | $0 | $3K | 1.25% |
| BENEFITS TECHNOLOGIES LLC3 | 2300 NW CORPORATE BLVD SUITE 215 BOCA RATON, FL 33431 | USABLE LIFE | -$373 | $0 | -$373 | -0.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | BLUE CROSS BLUE SHIELD OF FLORIDA | $2K | $0 | $2K | 1.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | FLORIDA COMBINED LIFE | $3K | $0 | $3K | 6.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | FLORIDA COMBINED LIFE | $2K | $0 | $2K | 13.90% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP MELTZER GROUP BENEFITS | 6500 ROCK SPRING DR SUITE 500 BETHESDA, MD 20817 | EYEMED | $2K | $0 | $2K | 19.66% |
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 | 246 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 31 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 5 | $112K |
| Dental(2 contracts) | FLORIDA COMBINED LIFE | 118 | $64K |
| Vision | EYEMED | 177 | $10K |
| Life insurance | USABLE LIFE | 248 | $228K |
| Short-term disability | USABLE LIFE | 248 | $228K |
| Long-term disability | USABLE LIFE | 248 | $228K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 5 | $112K |
| Other | USABLE LIFE | 248 | $228K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.