| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | INDEPENDENCE BLUE CROSS - PERSONAL CHOICE | $64K | $5K | $69K | 7.06% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | INDEPENDENCE BLUE CROSS - KEYSTONE | $23K | $2K | $25K | 4.62% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA INC | 2600 KELLY RD SUITE 300 WARRINGTON, PA 18976 | DELTA DENTAL OF PENNSYLVANIA | $5K | $0 | $5K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR #500 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.65% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES IINC | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $220 | $220 | 0.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR #500 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $660 | $660 | 2.78% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $143 | $143 | 0.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 14.47% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 10.11% |
| MATTHEW D DIPASQUALE3 Filed as: MATTHEW D DISPASQUALE | 1714 FLEET STREET BALTIMORE, MD 21231 | CONTINENTAL AMERICAN INSURANCE COMPANY | $391 | $0 | $391 | 2.14% |
| MICHAEL C WALKER3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $332 | $0 | $332 | 1.82% |
| JASON A BARE3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | $0 | $22 | 0.12% |
| MICHAEL E RISKA3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | $0 | $15 | 0.08% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD SUITE 300 WARRINGTON, PA 18976 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $816 | $0 | $816 | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR #500 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $418 | $418 | 2.56% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $91 | $91 | 0.56% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | VISION BENEFITS OF AMERICA | $642 | $0 | $642 | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC | 2600 KELLY DRIVE SUITE 300 WARRINGTON, PA 18976 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $387 | $0 | $387 | 4.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR #500 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $231 | $231 | 2.98% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $51 | $51 | 0.66% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $113 | $0 | $113 | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $57 | $57 | 2.52% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $12 | $12 | 0.53% |
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 | 266 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS - PERSONAL CHOICE | 143 | $1.5M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 301 | $105K |
| Vision | VISION BENEFITS OF AMERICA | 161 | $13K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 266 | $8K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 67 | $38K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 266 | $24K |
| Prescription drug | INDEPENDENCE BLUE CROSS - PERSONAL CHOICE | 143 | $972K |
| Other(4 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 266 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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.