| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 900 WESTPARK DR. STE T220 MCLEAN, VA 22102 | DELTA DENTAL OF PENNSYLVANIA | $132K | — | $132K | 6.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 900 WEST PARK DR. STE T220 MCLEAN, VA 22102 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC INC. | $45K | $16K | $61K | 4.98% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B ST 6TH FL SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN, INC. | $28K | — | $28K | 4.01% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1501 REEDSDALE ST. STE 403 PITTSBURGH, PA 15233 | RELIASTAR LIFE INSURANCE COMPANY | $168K | — | $168K | 25.00% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVE 14TH FL NEW YORK, NY 10178 | RELIASTAR LIFE INSURANCE COMPANY | — | $13K | $13K | 2.00% |
| AMERICAN BENEFITS CONSULTING LLC3 | 101 PARK AVE. 14TH FL NEW YORK, NY 10178 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $20K | $24K | 3.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP, INC. | 6500 ROCK SPRING DR. STE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $10K | $10K | 1.53% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B ST. 6TH FL SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN, INC. | $25K | — | $25K | 4.00% |
| AMERICAN BENEFITS CONSULTING LLC3 | 101 PARK AVE. 14TH FL NEW YORK, NY 10178 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $6K | $8K | 1.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP, INC. | 6500 ROCK SPRING DR. STE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6K | $6K | 1.51% |
| AMERICAN BENEFITS CONSULTING LLC3 Filed as: AMERICAN BENEFITS CONSULTING, INC. | 101 PARK AVE. 14TH FL NEW YORK, NY 10178 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $6K | $8K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP, INC. | 6500 ROCK SPRING DR. STE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6K | $6K | 1.51% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B ST 6TH FL SAN DIEGO, CA 92101 | EYEMED VISION CARE | $7K | — | $7K | 1.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP, INC. | 6500 ROCK SPRING DR. STE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 1.61% |
| AMERICAN BENEFITS CONSULTING LLC3 | 101 PARK AVE. 14TH FL NEW YORK, NY 10178 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $559 | $597 | $1K | 1.03% |
| AMERICAN BENEFITS CONSULTING LLC3 | 101 PARK AVE. 14TH FL NEW YORK, NY 10178 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $507 | $2K | $2K | 2.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP, INC. | 6500 ROCK SPRING DR. STE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 1.49% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVE. 14TH FL NEW YORK, NY 10178 | LEGAL PLANS USA | $4K | — | $4K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP, INC. | 6500 ROCK SPRING DR. STE 500 BETHESDA, MD 20817 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $878 | $878 | 2.28% |
| AMERICAN BENEFITS CONSULTING LLC3 | 101 PARK AVE 14TH FL NEW YORK, NY 10178 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $241 | $614 | $855 | 2.22% |
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 | 6,308 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 51 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 236 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,595 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 5,311 | $2.2M |
| Vision | EYEMED VISION CARE | 4,484 | $334K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 6,308 | $789K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 631 | $38K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,547 | $655K |
| Other(5 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 6,308 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,308 | — |
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.
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.