| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 555 FAIRMOUNT AVENUE TOWSON, MD 21286 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | $7K | $5K | $13K | 1.56% |
| RCM AND D3 Filed as: RCM&D INC | 555 FAIRMOUNT AVE BALTIMORE, MD 21286 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $22K | $0 | $22K | 6.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRINGS DR STE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $0 | $7K | 2.09% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY BLDG 2, STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.75% |
| RCM AND D3 Filed as: RCM&D INC | 555 FAIRMOUNT AVE BALTIMORE, MD 21286 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | $0 | $14K | 6.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRINGS DR SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 2.20% |
| 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 | $1K | $1K | 0.67% |
| RCM AND D3 Filed as: RCM&D INC | 555 FAIRMOUNT AVE BALTIMORE, MD 21286 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $0 | $8K | 7.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC. | 6500 ROCK SPRING DRIVE, SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.08% |
| 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 | $834 | $834 | 0.72% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 555 FAIRMOUNT AVE BALTIMORE, MD 21286 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 14.57% |
| RCM AND D3 Filed as: RCM&D, INC. | 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.14% |
| RCM AND D3 Filed as: RCM&D, INC. | 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $777 | $0 | $777 | 3.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, LLC | 6500 ROCK SPRING DRIVE, SUITE 410 BETHESDA, MD 20817 | METLIFE LEGAL PLANS | $1K | $0 | $1K | 9.24% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | METLIFE LEGAL PLANS | $162 | $17 | $179 | 1.30% |
| RCM AND D3 Filed as: RCM&D INC | 555 FAIRMOUNT AVE BALTIMORE, MD 21286 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $634 | $0 | $634 | 6.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRINGS DR STE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $62 | $0 | $62 | 0.68% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY BLDG 2, STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $42 | $42 | 0.46% |
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 | 1,096 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 23 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 1,741 | $818K |
| Vision | VISION SERVICE PLAN | 726 | $88K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,096 | $116K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 386 | $209K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,096 | $314K |
| Other(5 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,096 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,741 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.