| 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 | $24K | $0 | $24K | 2.00% |
| PATRICK M DUNN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $0 | $24K | 2.00% |
| WILLIAM B MINTURN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $43K | $0 | $43K | 8.30% |
| 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 | $4K | $0 | $4K | 0.74% |
| CORNERSTONE FINANCIAL PARTNERS LLC3 | 185 MATTHEWS TERRACE MINERAL, VA 23117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $3K | $3K | 0.63% |
| DYE & ESKIN INC3 | 1324 VINCENT PLACE MCLEAN, VA 22101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $1K | $3K | 0.48% |
| 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 | $2K | $2K | 0.35% |
| 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 | 7.50% |
| WILLIAM B MINTURN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 7.50% |
| PATRICK M DUNN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 7.50% |
| WILLIAM B MINTURN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 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 | $22K | $0 | $22K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE STE 500 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $1K | $10K | 11.82% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $343 | $4K | 4.59% |
| WILLIAM B MINTURN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 3.26% |
| 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 | 2.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $299 | $159 | $458 | 0.70% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $191 | $191 | 0.29% |
| CORNERSTONE FINANCIAL PARTNERS LLC3 | 185 MATTHEWS TERRACE MINERAL, VA 23117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $87 | $87 | 0.13% |
| DYE & ESKIN INC3 | 1324 VINCENT PLACE MCLEAN, VA 22101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $696 | $6K | 10.47% |
| WILLIAM B MINTURN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 9.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $752 | $2K | 8.32% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $871 | $871 | 3.43% |
| CORNERSTONE FINANCIAL PARTNERS LLC3 | 185 MATTHEWS TERRACE MINERAL, VA 23117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $61 | $61 | 0.24% |
| DYE & ESKIN INC3 | 1324 VINCENT PLACE MCLEAN, VA 22101 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | -$1K | $175 | 0.71% |
| WILLIAM B MINTURN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 11.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $500 | $266 | $766 | 3.25% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TEXAS HWY BLDG 2 SUITE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $320 | $320 | 1.36% |
| CORNERSTONE FINANCIAL PARTNERS LLC3 | 185 MATTHEWS TERRACE MINERAL, VA 23117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $52 | $52 | 0.22% |
| 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 | 4.02% |
| WILLIAM B MINTURN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $82 | $0 | $82 | 1.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE STE 500 BETHESDA, MD 20817 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $5 | $15 | 0.28% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TEXAS HWY BLDG 2 SUITE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $6 | $6 | 0.11% |
| CORNERSTONE FINANCIAL PARTNERS LLC3 | 185 MATTHEWS TERRACE MINERAL, VA 23117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $1 | $1 | 0.02% |
| WILLIAM B MINTURN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $188 | $0 | $188 | 9.99% |
| 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 | $121 | $0 | $121 | 7.25% |
| CORNERSTONE FINANCIAL PARTNERS LLC3 | 185 MATTHEWS TERRACE MINERAL, VA 23117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $5 | $5 | 0.30% |
| WILLIAM B MINTURN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $116 | $0 | $116 | 11.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $44 | $23 | $67 | 6.35% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TEXAS HWY BLDG 2 SUITE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $28 | $28 | 2.65% |
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 | 645 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 659 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 620 | $465K |
| Long-term disability(13 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 653 | $1.9M |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 666 | $584K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 666 | — |
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.