| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM B MINTURN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $0 | $20K | 2.15% |
| PATRICK M DUNN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $0 | $18K | 1.95% |
| WILLIAM B MINTURN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $56K | $0 | $56K | 10.32% |
| CORNERSTONE FINANCIAL PARTNERS LLC3 | 185 MATTHEWS TERRACE MINERAL, VA 23117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $9K | $9K | 1.67% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: THE NEW ENGLAND | ATTN TOWANA WHITEHURST 11225 NORTH COMMUNITY HOUSE ROAD CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 0.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $3K | $3K | 0.58% |
| DYE & ESKIN INC3 | 1324 VINCENT PLACE MCLEAN, VA 22101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 0.56% |
| DAVID A CASSARD3 | 915 COOKS BAY COURT GAMBRILLS, MD 21054 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| PATRICK M DUNN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $0 | $16K | 5.00% |
| WILLIAM B MINTURN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $0 | $16K | 5.00% |
| PATRICK M DUNN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 7.49% |
| WILLIAM B MINTURN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 7.49% |
| PATRICK M DUNN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 7.50% |
| WILLIAM B MINTURN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 7.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP - THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | ZURICH AMERICAN INSURANCE COMPANY | $20K | $0 | $20K | 15.00% |
| DYE & ESKIN INC3 | 1324 VINCENT PLACE MCLEAN, VA 22101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $1K | $9K | 10.84% |
| WILLIAM B MINTURN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 4.39% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: THE NEW ENGLAND | ATTN TOWANA WHITEHURST 11225 NORTH COMMUNITY HOUSE ROAD CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 3.05% |
| CORNERSTONE FINANCIAL PARTNERS LLC3 | 185 MATTHEWS TERRACE MINERAL, VA 23117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $440 | $440 | 0.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $147 | $147 | 0.22% |
| WILLIAM B MINTURN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 14.58% |
| CORNERSTONE FINANCIAL PARTNERS LLC3 | 185 MATTHEWS TERRACE MINERAL, VA 23117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $816 | $816 | 3.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $389 | $389 | 1.44% |
| DYE & ESKIN INC3 | 1324 VINCENT PLACE MCLEAN, VA 22101 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.40% |
| WILLIAM B MINTURN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 15.31% |
| CORNERSTONE FINANCIAL PARTNERS LLC3 | 185 MATTHEWS TERRACE MINERAL, VA 23117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $701 | $701 | 3.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $468 | $0 | $468 | 2.64% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES INC | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $3K | $0 | $3K | 20.00% |
| AMES & GOUGH3 | 8300 GREENSBORO DRIVE SUITE 980 MCLEAN, VA 22102 | FEDERAL INSURANCE COMPANY | $0 | $2K | $2K | 15.00% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: THE NEW ENGLAND | ATTN TOWANA WHITEHURST 11225 NORTH COMMUNITY HOUSE ROAD CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $214 | $0 | $214 | 4.10% |
| WILLIAM B MINTURN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $101 | $0 | $101 | 1.93% |
| CORNERSTONE FINANCIAL PARTNERS LLC3 | 185 MATTHEWS TERRACE MINERAL, VA 23117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $4 | $4 | 0.08% |
| MID AMERICA GROUP A DIV OF3 | GALLAGHER BENEFIT SERVICES INC TWO PIERCE PL 21ST FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $429 | $0 | $429 | 14.45% |
| WILLIAM B MINTURN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $236 | $0 | $236 | 11.64% |
| CORNERSTONE FINANCIAL PARTNERS LLC3 | 185 MATTHEWS TERRACE MINERAL, VA 23117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $35 | $35 | 1.73% |
| WILLIAM B MINTURN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $249 | $0 | $249 | 13.23% |
| CORNERSTONE FINANCIAL PARTNERS LLC3 | 185 MATTHEWS TERRACE MINERAL, VA 23117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $46 | $46 | 2.44% |
| WILLIAM B MINTURN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $205 | $0 | $205 | 11.33% |
| CORNERSTONE FINANCIAL PARTNERS LLC3 | 185 MATTHEWS TERRACE MINERAL, VA 23117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $27 | $27 | 1.49% |
| WILLIAM B MINTURN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $109 | $0 | $109 | 13.66% |
| CORNERSTONE FINANCIAL PARTNERS LLC3 | 185 MATTHEWS TERRACE MINERAL, VA 23117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $9 | $9 | 1.13% |
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 | 598 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 631 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 586 | $454K |
| Long-term disability(13 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 605 | $1.7M |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 642 | $485K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 642 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.