| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | C/O NFP PO BOX 783088 PHILADELPHIA, PA 19178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $76K | $77K | 3.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP BENEFITS | 6903 ROCKLEDGE DRIVE STE 1400 BETHESDA, MD 20817 | AMERITAS LIFE INSURANCE CORP. | $5K | $0 | $5K | 5.00% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS, INC | 8201 N HAYDEN RD SCOTTSDALE, AZ 85258 | AMERITAS LIFE INSURANCE CORP. | $4K | $0 | $4K | 3.64% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | AMERITAS LIFE INSURANCE CORP. | $1K | $0 | $1K | 1.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6903 ROCKLEDGE DRIVE STE 1400 BETHESDA, MD 20817 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $0 | $9K | 9.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20807 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $3K | $10K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.74% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS, INC | 1250 CAPITAL OF TEXAS HWY S BLDG 2 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $833 | $0 | $833 | 1.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $3K | $9K | 15.04% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.78% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS, INC | 1250 CAPITAL OF TEXAS HWY S BLDG 2 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $704 | $0 | $704 | 1.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $28K | $34K | 61.23% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.84% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS, INC | 1250 CAPITAL OF TEXAS HWY S AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $704 | $0 | $704 | 1.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20807 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $2K | $7K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.00% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS BROKERS SEE ATTACHED | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 20.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6903 ROCKLEDGE DRIVE STE 1400 BETHESDA, MD 20817 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 8.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC. | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20807 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $211 | $106 | $317 | 15.01% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $80 | $0 | $80 | 3.79% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS, INC | 1250 CAPITAL OF TEXAS HWY S BLDG 2 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $26 | $0 | $26 | 1.23% |
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 | 344 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 241 | $2.4M |
| Dental(3 contracts, 3 carriers) | AMERITAS LIFE INSURANCE CORP. | 402 | $274K |
| Vision(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 402 | $2.4M |
| Life insurance(3 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 314 | $188K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 339 | $48K |
| Long-term disability(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 344 | $142K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 241 | $2.3M |
| Other(5 contracts, 3 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 314 | $231K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 402 | — |
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.