| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$6 | $31K | $31K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRINGS DR SUITE 500 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $535 | $8K | 11.91% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $223 | $223 | 0.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRINGS DR SUITE 500 BATHESDA, MD 20817 | DELTA DENTAL OF VIRGINIA | $3K | $0 | $3K | 5.00% |
| BROKER NOT PROVIDED3 | — | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | COMBINED INSURANCE | $2K | $0 | $2K | 36.82% |
| MID ATLANTIC BENEFITS GROUP LLC3 | — | COMBINED INSURANCE | $2K | $0 | $2K | 36.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, LLC | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | METROPOLITAN GENERAL INSURANCE COMPANY | $155 | $62 | $217 | 14.16% |
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 | 92 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 95 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 68 | $1.0M |
| Dental | DELTA DENTAL OF VIRGINIA | 159 | $51K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 107 | $10K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 93 | $70K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 93 | $65K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 93 | $65K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 93 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.