| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | PO BOX 896620 5130 PARKWAY PLAZA BLVD CHARLOTTE, NC 28217 | CIGNA HEALTH & LIFE INSURANCE COMPANY AND AFFILIATES | $25K | — | $25K | 5.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | CIGNA HEALTH & LIFE INSURANCE COMPANY AND AFFILIATES | $9K | — | $9K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $2K | $7K | 3.07% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 8200 GREENSBORO DRIVE STE 1000 GD MCLEAN, VA 22102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 2.95% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | GREENSBORO DRIVE STE 1000 GD MCLEAN, VA 22102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | — | $15K | 8.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 655 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $2K | $10K | 5.94% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 8200 GREENSBORO DRIVE STE 1000 GD MCLEAN, VA 22102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 8.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $2K | $12K | 7.26% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 8200 GREENSBORO DRIVE STE 1000GD MCLEAN, VA 22102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 8.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE STE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $1K | $9K | 6.01% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 210783279 | RELIASTAR LIFE INSURANCE COMPANY | $15K | — | $15K | 10.69% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 4309 EMPEROR BLVD STE 300 DURHAM, NC 277038046 | RELIASTAR LIFE INSURANCE COMPANY | $11K | — | $11K | 7.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC | 6500 ROCK SPRING DR STE 410 BETHESDA, MD 208171199 | RELIASTAR LIFE INSURANCE COMPANY | $4K | $1K | $6K | 4.11% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 328013277 | RELIASTAR LIFE INSURANCE COMPANY | — | $113 | $113 | 0.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP, INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $749 | $3K | 3.41% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 8200 GREENSBORO DRIVE STE 1000 GD MCLEAN, VA 22102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 2.94% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 8200 GREENSBORO ROAD 8TH FLOOR MCLEAN, VA 22102 | FIDELITY SECURITY LIFE INSURANCE | $3K | — | $3K | 4.04% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFITS GROUP | 203 MARKET ST STE 201 HAVRE DE GRACE, MA 21078 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 9.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 9.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $200 | $2K | 8.97% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 8200 GREENSBORO DRIVE STE 1000 GD MCLEAN, VA 22102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 6.69% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 8200 GREENSBORO ROAD 8TH FLOOR MCLEAN, VA 22102 | FIDELITY SECURITY LIFE INSURANCE | $111 | — | $111 | 3.86% |
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 | 875 | 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) | 875 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH & LIFE INSURANCE COMPANY AND AFFILIATES | 886 | $431K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE | 1,096 | $67K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,072 | $187K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 367 | $251K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 275 | $382K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,071 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,096 | — |
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.