| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | CAREFIRST OF MARYLAND, INC. | $0 | $110K | $110K | 5.09% |
| POTOMAC BASIN GROUP ASSOCIATES LLC5 Filed as: POTOMAC BASIN GROUP ASSOC LLC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | CAREFIRST OF MARYLAND, INC. | $0 | $13K | $13K | 0.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | UNITED CONCORDIA INSURANCE COMPANY | $20K | $0 | $20K | 10.02% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS, INC | — | UNITED CONCORDIA INSURANCE COMPANY | $8K | $0 | $8K | 3.77% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOC LLC | — | UNITED CONCORDIA INSURANCE COMPANY | $2K | $0 | $2K | 1.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC | 6903 ROCKLEDGE DRIVE STE 1400 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | $5K | $22K | 20.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $2K | $6K | 5.24% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS INC. | 1250 CAPITAL OF TEXAS HWY S BLDG 2 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.30% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TEXAS HWY BLDG 2 STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC | 6903 ROCKLEDGE DRIVE STE 1400 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $4K | $18K | 20.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $1K | $5K | 5.21% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS INC. | 1250 CAPITAL OF TEXAS HWY S BLDG 2 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.31% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY S BLDG 2 STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $839 | $839 | 0.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC | 6903 ROCKLEDGE DRIVE STE 1400 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $4K | $16K | 20.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $1K | $4K | 5.38% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS INC. | 1250 CAPITAL OF TEXAS HWY S AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.24% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY S BLDG 2 STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $822 | $822 | 1.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6903 ROCKLEDGE DRIVE STE 1400 BETHESDA, MD 20817 | AMERITAS LIFE INSURANCE CORP | $2K | $0 | $2K | 5.00% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS, INC | 8201 N HAYDEN ROAD SCOTTSDALE, AZ 85258 | AMERITAS LIFE INSURANCE CORP | $1K | $0 | $1K | 3.51% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TEXAS HWY S BLDG 2 STE 600 AUSTIN, TX 78746 | AMERITAS LIFE INSURANCE CORP | $0 | $872 | $872 | 2.46% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 077193502 | AMERITAS LIFE INSURANCE CORP | $529 | $0 | $529 | 1.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC | 6903 ROCKLEDGE DRIVE STE 1400 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $530 | $177 | $707 | 20.01% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $130 | $57 | $187 | 5.29% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS INC. | 1250 CAPITAL OF TEXAS HWY S BLDG 2 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $46 | $0 | $46 | 1.30% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY S BLDG 2 STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $36 | $36 | 1.02% |
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 | 347 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 51 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 400 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST OF MARYLAND, INC. | 365 | $2.2M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 575 | $201K |
| Vision | AMERITAS LIFE INSURANCE CORP | 565 | $35K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 351 | $81K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 351 | $108K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 351 | $89K |
| Prescription drug | CAREFIRST OF MARYLAND, INC. | 365 | $2.2M |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 351 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 575 | — |
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.