| 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 | — | $60K | $60K | 1.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE BETHESDA, MD 28017 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | -$60 | -$60 | -0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 410 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $1K | $10K | 4.60% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $8K | $25K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $7K | $15K | 9.00% |
| MICHELLE LECKLITER3 Filed as: MICHELLE F LECKLITER | 10 LINDA LANE SEVERNA PARK, MD 21146 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40K | — | $40K | 36.58% |
| JOHN A LECKLITER3 Filed as: JOHN A. LECKLITER | 10 LINDA LANE SEVERNA PARK, MD 21146 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 9.15% |
| MATTHEW W EVANS3 | 1344 ASHTON RD STE 200 HANOVER, MD 21076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 4.95% |
| QSMR INC3 | 1344 ASHTON RD SUITE 200 HANOVER, MD 21076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $4K | $11K | 13.60% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $3K | $7K | 8.16% |
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 | 397 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 76 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 484 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 523 | $3.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 771 | $220K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 771 | $220K |
| Life insurance(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 296 | $189K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 301 | $166K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 301 | $166K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 523 | $3.7M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 243 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 771 | — |
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.