| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $73K | $73K | 2.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $8K | $28K | 13.90% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.86% |
| UNITED OF OMAHA LIFE INSURANCE CO5 Filed as: UNITED OF OMAHA LIFE INSURANCE | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $23 | $23 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $4K | $12K | 6.13% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.88% |
| JOHN A LECKLITER3 Filed as: JOHN LECKLITER | 10 LINDA LANE SEVERNA PARK, MD 21146 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | $0 | $10K | 13.41% |
| SF&C SELECT BENEFITS COMM GROUP3 Filed as: SELECT BNFT COMMUNICATION GRP | 10075 RED RUN BLVD STE 550 OWINGS MILLS, MD 21117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.00% |
| DAJOMA LLC3 Filed as: DAJOMA, INC. | 1344 ASHTON RD SUITE 200 HANOVER, MD 21076 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $458 | $0 | $458 | 0.63% |
| MATT EVANS3 | 1344 ASHTON RD STE 200 HANOVER, MD 21076 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $336 | $0 | $336 | 0.46% |
| FRANK P DOHERTY3 | PO BOX 916 DEVON, PA 19333 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $104 | $0 | $104 | 0.14% |
| FULCRUM BENEFITS3 Filed as: FULCRUM INC | 10805 HICKORY RIDGE ROAD SUITE 202 COLUMBIA, MD 21044 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36 | $0 | $36 | 0.05% |
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 | 314 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 48 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 368 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 467 | $3.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 718 | $192K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 718 | $192K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 400 | $276K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 400 | $204K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 400 | $204K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 467 | $3.0M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 400 | $276K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 718 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.