| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 170 JENNIFER RD STE 130 ANNAPOLIS, MD 21401 | SUN LIFE ASSURANCE COMPANY OF CANADA | $33K | $0 | $33K | 8.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR STE 500 BETHLEHEM, PA 18017 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | $0 | $12K | 3.13% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 118 EDENBERRY AVE CENTREVILLLE, MD 21617 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $14 | $18K | 17.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC | 6500 ROCK SPRING DR STE 500 BETHLEHEM, PA 18017 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.80% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP | 540 FORT EVANS ROAD NE, SUITE 301 LEESBURG, VA 20176 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR STE 500 BETHLEHEM, PA 18017 | VISION SERVICE PLAN | $1K | $0 | $1K | 1.87% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 118 EDENDERRY AVE CENTREVILLE, MD 21617 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $14 | $9K | 18.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR STE 500 BETHLEHEM, PA 18017 | METROPOLITAN LIFE INSURANCE COMPANY | $873 | $0 | $873 | 1.82% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 118 EDENDERRY AVE CENTREVILLE, MD 21617 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $14 | $4K | 17.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR STE 500 BETHLEHEM, PA 18017 | METROPOLITAN LIFE INSURANCE COMPANY | $394 | $0 | $394 | 1.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 ADMIN | Claims processing Service code 12 | — | $196K |
| ISI OF MARYLAND BROKER | Insurance agents and brokers Service code 22 | 170 JENNIFER RD ANNAPOLIS, MD 21401 | $126K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $63K |
| CONNECTCARE 3 EIN 26-1768616 OTHER | Other services Service code 49 | — | $20K |
| SUN LIFE ASSURANCE COMPANY OF CANAD EIN 38-1082080 ADMIN | Claims processing Service code 12 | — | $16K |
| THE MELTZER GROUP, INC BROKER | Insurance agents and brokers Service code 22 | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 30817 | $10K |
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 | 491 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 497 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 384 | $61K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 491 | $368K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 491 | $368K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 491 | $368K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | OPTUM HEALTH | 423 | $807K |
| Other(4 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 491 | $540K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 491 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.