| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDUCATORS BENEFIT SERVICES3 | 890 AIRPORT PARK RD SUITE 103 GLEN BURNIE, MD 21061 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.93% |
| PROFESSIONAL BENEFITS SOLUTIONS INC3 | 8945 GUILFORD RD STE 145 COLUMBIA, MD 21046 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $473 | $0 | $473 | 1.57% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $302 | $302 | 1.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.33% |
| EDUCATORS BENEFIT SERVICES3 | 890 AIRPORT PARK RD SUITE 103 GLEN BURNIE, MD 21061 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.27% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $278 | $278 | 1.01% |
| PROFESSIONAL BENEFITS SOLUTIONS INC3 Filed as: PROFESSIONAL BENEFITS SOLUTIONS,INC | 8945 GUILFORD RD STE 145 COLUMBIA, MD 21046 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $210 | $0 | $210 | 0.76% |
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 | 159 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 159 | $27K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 159 | $30K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 159 | $27K |
| 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."
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.