| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HODGE HART & SCHLEIFER INC3 | 7979 OLD GEORGETOWN RD #700 BETHESDA, MD 20814 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $86K | $92K | 3.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC. | 6500 ROCK SPRING DR. STE 500 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $51K | $55K | 1.84% |
| KELLY & ASSOCIATES INSURANCE GROUP5 | 1 KELLY WAY SPARKS, MD 21152 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $47K | $47K | 1.55% |
| HODGE HART & SCHLEIFER INC3 | 8401 CONNECTICUT AVENUE SUITE 600 CHEVY CHASE, MD 20815 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $7K | $12K | 9.17% |
| KELLY & ASSOCIATES INSURANCE GROUP5 | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 4.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR. STE 500 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $529 | $0 | $529 | 0.40% |
| HODGE HART & SCHLEIFER INC3 | 8401 CONNECTICUT AVENUE SUITE 600 CHEVY CHASE, MD 20815 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $4K | $8K | 10.92% |
| KELLY & ASSOCIATES INSURANCE GROUP5 | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $943 | $0 | $943 | 1.29% |
| HODGE HART & SCHLEIFER INC3 | 8401 CONNECTICUT AVENUE SUITE 600 CHEVY CHASE, MD 20815 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $3K | $5K | 11.78% |
| KELLY & ASSOCIATES INSURANCE GROUP5 | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.78% |
| HODGE HART & SCHLEIFER INC3 | 8401 CONNECTICUT AVENUE SUITE 600 CHEVY CHASE, MD 20815 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 11.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.10% |
| KELLY & ASSOCIATES INSURANCE GROUP5 | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| HODGE HART & SCHLEIFER INC3 | 8401 CONNECTICUT AVENUE SUITE 600 CHEVY CHASE, MD 20815 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $421 | $1K | 8.45% |
| KELLY & ASSOCIATES INSURANCE GROUP5 | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $852 | $852 | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP | 6500 ROCK SPRING DR. STE 500 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $684 | $0 | $684 | 4.01% |
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 | 383 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 56 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 443 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 268 | $3.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 268 | $3.0M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 268 | $3.0M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 383 | $83K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 384 | $73K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 384 | $131K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 383 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 384 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.