| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE COURY GROUP3 Filed as: COURY GROUP INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $32K | $0 | $32K | 10.02% |
| EMPLOYEE BENEFITS CORP OF AMERICA3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $25K | $25K | 7.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | $0 | $13K | 4.03% |
| THE COURY GROUP3 Filed as: COURY GROUP, INC. | 11303 STONES THROWS DR RESTON, VA 20194 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC. | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $158 | $1K | 1.35% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES, INC. | 1250 S CAPITAL OF TEXAS HWY BLDG 2 SUITE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $144 | $0 | $144 | 0.16% |
| THE COURY GROUP3 | 11303 STONES THROW DR RESTON, VA 20194 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | $0 | $10K | 12.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC. | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $0 | $6K | 7.36% |
| THE COURY GROUP3 Filed as: COURY GROUP | 11303 STONES THROW DRIVE RESTON, VA 20194 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $768 | $0 | $768 | 7.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP BENEFITS | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $277 | $0 | $277 | 2.70% |
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 | 118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 139 | $316K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 370 | $91K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 199 | $10K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 127 | $77K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 127 | $77K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 127 | $77K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 139 | $316K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 127 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 370 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.