| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 SUITE 500 BETHESDA, MD 20817 | DELTA DENTAL OF PENNSYLVANIA | $84K | $0 | $84K | 4.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC (JEMM GROUP) | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $42K | $0 | $42K | 7.11% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $17K | $17K | 2.88% |
| JAMES R NELLIGAN & ASSOCIATES LLC0 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $15K | $15K | 2.48% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $7K | $7K | 1.20% |
| TOTALIS BENEFITS3 | W MADISON STREET 32ND FLOOR 32ND FL CHICAGO, IL 60661 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 1.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC(JEMM GROUP) | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20807 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $31K | $0 | $31K | 7.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $13K | $13K | 3.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN ASSOCIATES | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $11K | $11K | 2.51% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 CAPITAL OF TEXAS HWY S AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.25% |
| TOTALIS BENEFITS3 | W MADISON STREET 32ND FLOOR 32ND FL CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 0.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP BENEFITS | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | KAISER FOUNDATION HEALTH PLAN INC | $18K | $0 | $18K | 5.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 410 BETHESDA, MD 20817 | VISION SERVICE PLAN | $11K | $0 | $11K | 5.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP BENEFITS | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | KAISER FOUNDATION HEALTH PLAN INC | $4K | $0 | $4K | 5.52% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $19K | $19K | 35.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC (JEMM GROUP) | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20807 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 13.97% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN ASSOCIATES | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 9.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP BENEFITS | 6500 ROCK SPRING DR. SUITE 410 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $728 | $0 | $728 | 10.01% |
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 | 2,030 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 29 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,099 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 37 | $414K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 3,413 | $1.9M |
| Vision | VISION SERVICE PLAN | 1,577 | $190K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,030 | $592K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,158 | $53K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,030 | $441K |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,030 | $599K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,413 | — |
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.