| 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 | GROUP HOSPITALIZATION MEDICAL SERVICES | $0 | $134K | $134K | 3.64% |
| POTOMAC BASIN GROUP ASSOCIATES LLC5 | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | GROUP HOSPITALIZATION MEDICAL SERVICES | $0 | $13K | $13K | 0.35% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 555 FAIRMOUNT AVENUE TOWSON, MD 21286 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | $1K | $5K | $6K | 2.23% |
| RCM AND D3 Filed as: RCM&D INC | 555 FAIRMOUNT AVE BALTIMORE, MD 21286 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | $0 | $15K | 8.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRINGS DR STE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $0 | $10K | 5.49% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY BLDG 2, STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.39% |
| RCM AND D3 Filed as: RCM&D INC | 555 FAIRMOUNT AVE BALTIMORE, MD 21286 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $0 | $9K | 7.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRINGS DR SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $0 | $6K | 5.71% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 1250 CAPITAL OF TEXAS HWY BLDG 2, STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.64% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | — | VISION SERVICE PLAN | $3K | $0 | $3K | 4.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP BENEFITS | 6500 ROCK SPRING DRIVE, SUITE 410 BETHESDA, MD 20817 | VISION SERVICE PLAN | $696 | $0 | $696 | 0.93% |
| RCM AND D3 Filed as: RCM&D INC | 555 FAIRMOUNT AVE BALTIMORE, MD 21286 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 8.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC. | 6500 ROCK SPRING DRIVE, SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.56% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TEXAS HIGHWAY BUILDING II, SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $966 | $966 | 1.45% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | METLIFE LEGAL PLANS | $1K | $0 | $1K | 8.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, LLC | 6500 ROCK SPRING DRIVE, SUITE 500 BETHESDA, MD 20817 | METLIFE LEGAL PLANS | $302 | $368 | $670 | 4.40% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | METLIFE LEGAL PLANS | $0 | $62 | $62 | 0.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRINGS DR STE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $303 | $0 | $303 | 9.00% |
| RCM AND D3 Filed as: RCM&D INC | 555 FAIRMOUNT AVE BALTIMORE, MD 21286 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $190 | $0 | $190 | 5.64% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY BLDG 2, STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $83 | $83 | 2.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC. | 6500 ROCK SPRING DRIVE, SUITE 500 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $9K | $11K | 1123.72% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP MID-ATLANTIC SG LLC | 4740 CORRIDOR PLACE, SUITE B BELTSVILLE, MD 20705 | METROPOLITAN LIFE INSURANCE COMPANY | $556 | $0 | $556 | 59.40% |
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 | 697 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 103 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 815 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GROUP HOSPITALIZATION MEDICAL SERVICES | 1,053 | $3.7M |
| Dental(2 contracts, 2 carriers) | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 1,163 | $278K |
| Vision(2 contracts, 2 carriers) | GROUP HOSPITALIZATION MEDICAL SERVICES | 1,053 | $3.8M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 851 | $67K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 321 | $112K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 849 | $189K |
| Prescription drug | GROUP HOSPITALIZATION MEDICAL SERVICES | 1,053 | $3.7M |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 851 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,163 | — |
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.