| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $11K | $22K | 5.09% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 1.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $5K | $1K | $7K | 6.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $6K | $1K | $7K | 7.62% |
| FIELDSTONE INSURANCE GROUP, LLC3 Filed as: FIELDSTONE INSURANCE GROUP | 218 ROUTE 17 N STE 404 ROCHELLE PARK, NJ 07662 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $10K | $0 | $10K | 13.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $0 | $2K | $2K | 2.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR SUITE 500 BETHESDA, MD 20817 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | $443 | $2K | 7.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC LLC | 6500 ROCK SPRING DR SUITE 500 BETHESDA, MD 20817 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $1K | $295 | $2K | 12.64% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC. | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $122 | $122 | 0.99% |
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 | 367 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 238 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 617 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 780 | $427K |
| Vision | VISION SERVICE PLAN | 306 | $54K |
| Life insurance(2 contracts) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 615 | $193K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 615 | $76K |
| Other(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 615 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 780 | — |
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.