| 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 | $27K | $0 | $27K | 2.00% |
| PATRICK M DUNN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | $0 | $27K | 2.00% |
| WILLIAM B MINTURN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $49K | $0 | $49K | 8.45% |
| 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 | $13K | $13K | 2.17% |
| 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 | 0.71% |
| CORNERSTONE FINANCIAL PARTNERS LLC3 | 185 MATTHEWS TERRACE MINERAL, VA 23117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $3K | $3K | 0.59% |
| DYE & ESKIN INC3 | 1324 VINCENT PLACE MCLEAN, VA 22101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $1K | $3K | 0.47% |
| PATRICK M DUNN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $0 | $18K | 5.00% |
| WILLIAM B MINTURN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $0 | $18K | 5.00% |
| PATRICK M DUNN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 7.48% |
| WILLIAM B MINTURN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 7.48% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP - THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | ZURICH AMERICAN INSURANCE COMPANY | $25K | $0 | $25K | 15.00% |
| PATRICK M DUNN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 7.50% |
| WILLIAM B MINTURN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 7.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE STE 500 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $142 | $4K | 5.51% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 40386 798 BERRY RD NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 1.74% |
| 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 | 3.01% |
| WILLIAM B MINTURN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 2.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $446 | $427 | $873 | 1.48% |
| 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 | 0.32% |
| CORNERSTONE FINANCIAL PARTNERS LLC3 | 185 MATTHEWS TERRACE MINERAL, VA 23117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $80 | $80 | 0.14% |
| DYE & ESKIN INC3 | 1324 VINCENT PLACE MCLEAN, VA 22101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $587 | $5K | 10.40% |
| WILLIAM B MINTURN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 9.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $623 | $420 | $1K | 4.53% |
| 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 | $242 | $242 | 1.05% |
| CORNERSTONE FINANCIAL PARTNERS LLC3 | 185 MATTHEWS TERRACE MINERAL, VA 23117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $44 | $44 | 0.19% |
| DYE & ESKIN INC3 | 1324 VINCENT PLACE MCLEAN, VA 22101 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $1K | $2K | 9.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $564 | $2K | 8.96% |
| WILLIAM B MINTURN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 7.14% |
| 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 | $504 | $504 | 2.40% |
| CORNERSTONE FINANCIAL PARTNERS LLC3 | 185 MATTHEWS TERRACE MINERAL, VA 23117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $32 | $32 | 0.15% |
| REUBAN WARNER ASSOCIATES, INC.3 Filed as: REUBAN WARNER ASSOCIATES INC | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $0 | $3K | $3K | 20.00% |
| AMES & GOUGH3 | 8300 GREENSBORO DRIVE - SUITE 980 MCLEAN, VA 22102 | FEDERAL INSURANCE COMPANY | $2K | $0 | $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 | 3.98% |
| WILLIAM B MINTURN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $67 | $0 | $67 | 1.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE STE 500 BETHESDA, MD 20817 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $19 | $16 | $35 | 0.65% |
| 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 | $9 | $9 | 0.17% |
| 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 | $170 | $0 | $170 | 8.34% |
| CORNERSTONE FINANCIAL PARTNERS LLC3 | 185 MATTHEWS TERRACE MINERAL, VA 23117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $50 | $50 | 2.45% |
| WILLIAM B MINTURN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $117 | $0 | $117 | 6.47% |
| CORNERSTONE FINANCIAL PARTNERS LLC3 | 185 MATTHEWS TERRACE MINERAL, VA 23117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $6 | $6 | 0.33% |
| WILLIAM B MINTURN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $99 | $0 | $99 | 8.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $66 | $24 | $90 | 7.46% |
| 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 | 2.32% |
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 | 653 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 688 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 645 | $514K |
| Long-term disability(11 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 645 | $2.1M |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 656 | $616K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 656 | — |
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.