| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: MELTZER GROUP (NFP) | PO BOX 783088 PHILADELPHIA, PA 19178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $61K | $61K | 3.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE BETHESDA, MD 20807 | AETNA LIFE INSURANCE COMPANY | $559 | $7K | $7K | 4.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20807 | STANDARD INSURANCE COMPANY | $12K | $12K | $23K | 19.89% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 3.73% |
| TOTALIS CONSUMER BENEFIT SOLUTIONS3 Filed as: TOTALIS BENEFIT SOLUTIONS, INC | 8777 N GAINEY CENTER DR. SUITE 260 SCOTTSDALE, AZ 85258 | STANDARD INSURANCE COMPANY | $0 | $982 | $982 | 0.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20807 | STANDARD INSURANCE COMPANY | $7K | $7K | $13K | 19.89% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN ASSOCIATES, LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 3.73% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENIFITS, INC. | 8777 N GAINEY CENTER DR. SUITE 260 SCOTTSDALE, AZ 85258 | STANDARD INSURANCE COMPANY | $0 | $567 | $567 | 0.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20807 | STANDARD INSURANCE COMPANY | $5K | $5K | $10K | 20.02% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 3.76% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENIFITS, INC. | 8777 N GAINEY CENTER DR. SUITE 260 SCOTTSDALE, AZ 85258 | STANDARD INSURANCE COMPANY | $0 | $334 | $334 | 0.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRINGS DR SUITE 500 BETHESDA, MD 20817 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 13.46% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET ST STE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 9.97% |
| MATTHEW D DIPASQUALE3 Filed as: MATTHEW DAVID DIPASQUALE | 1202 JOMAT DRIVE JOPPA, MD 21085 | CONTINENTAL AMERICAN INSURANCE COMPANY | $796 | $0 | $796 | 2.09% |
| MICHAEL C WALKER3 | 258 LEWIS STREET HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $466 | $0 | $466 | 1.22% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 16.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRINGS DRIVE SUITE 500 BETHESDA, MD 20817 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 15.79% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.73% |
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 | 239 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 258 | $1.9M |
| Dental | AETNA LIFE INSURANCE COMPANY | 384 | $156K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 281 | $21K |
| Life insurance | STANDARD INSURANCE COMPANY | 239 | $48K |
| Short-term disability | STANDARD INSURANCE COMPANY | 238 | $116K |
| Long-term disability | STANDARD INSURANCE COMPANY | 239 | $67K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 239 | $121K |
| 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.
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.