| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 555 FAIRMONT AVENUE BALTIMORE, MD 21286 | SYMETRA LIFE INSURANCE COMPANY | $15K | $0 | $15K | 10.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | SYMETRA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.62% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 555 FAIRMONT AVENUE BALTIMORE, MD 21286 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $10 | $10 | 0.02% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 4200 INNSLAKE DR GLEN ALLEN, VA 23060 | VISION SERVICE PLAN | $752 | $0 | $752 | 5.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP BENEFITS | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | VISION SERVICE PLAN | $168 | $0 | $168 | 1.13% |
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 | 134 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 266 | $53K |
| Vision | VISION SERVICE PLAN | 111 | $15K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 134 | $144K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 134 | $144K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 134 | $144K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 134 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.