| 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 | $38K | $0 | $38K | 7.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $0 | $11K | 2.20% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $4K | $4K | 0.78% |
| 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 | $3K | $0 | $3K | 0.68% |
| CORNERSTONE FINANCIAL PARTNERS LLC3 | 185 MATTHEWS TERR MINERAL, VA 23117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $2K | $2K | 0.48% |
| DYE & ESKIN INC3 | 1324 VINCENT PLACE MCLEAN, VA 22101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $851 | $2K | 0.40% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP/NFP | 3445 PEACHTREE RD NE SUITE 200 ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $2K | $2K | 0.34% |
| PATRICK M DUNN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 5.00% |
| WILLIAM B MINTURN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 5.00% |
| PATRICK M DUNN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 7.03% |
| WILLIAM B MINTURN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 7.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP - THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | ZURICH AMERICAN INSURANCE COMPANY | $29K | $0 | $29K | 15.00% |
| 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% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE STE 500 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $25 | $10K | 12.62% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 40386 798 BERRY RD NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $406 | $0 | $406 | 0.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $310 | $3K | 4.76% |
| 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 | 2.81% |
| WILLIAM B MINTURN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 2.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $872 | $872 | 1.43% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP/NFP | 3445 PEACHTREE RD NE SUITE 200 ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $342 | $342 | 0.56% |
| CORNERSTONE FINANCIAL PARTNERS LLC3 | 185 MATTHEWS TERR MINERAL, VA 23117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $46 | $46 | 0.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $313 | $11K | 24.22% |
| 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 | $4K | $4K | 8.16% |
| WILLIAM B MINTURN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 4.33% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP/NFP | 3445 PEACHTREE RD NE SUITE 200 ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $2K | $2K | 3.46% |
| CORNERSTONE FINANCIAL PARTNERS LLC3 | 185 MATTHEWS TERR MINERAL, VA 23117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $22 | $22 | 0.05% |
| DYE & ESKIN INC3 | 1324 VINCENT PLACE MCLEAN, VA 22101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $380 | $3K | 10.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $270 | $5K | 19.97% |
| 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 | $2K | $2K | 5.98% |
| WILLIAM B MINTURN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 4.04% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP/NFP | 3445 PEACHTREE RD NE SUITE 200 ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $570 | $570 | 2.26% |
| CORNERSTONE FINANCIAL PARTNERS LLC3 | 185 MATTHEWS TERR MINERAL, VA 23117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | -$3 | -$3 | -0.01% |
| DYE & ESKIN INC3 | 1324 VINCENT PLACE MCLEAN, VA 22101 | THE PAUL REVERE LIFE INSURANCE COMPANY | $914 | $658 | $2K | 8.14% |
| 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 | 3.97% |
| WILLIAM B MINTURN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $62 | $0 | $62 | 1.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE STE 500 BETHESDA, MD 20817 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $14 | $32 | 0.59% |
| 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 | $5 | $5 | 0.09% |
| WILLIAM B MINTURN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $144 | $0 | $144 | 8.35% |
| CORNERSTONE FINANCIAL PARTNERS LLC3 | 185 MATTHEWS TERR MINERAL, VA 23117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $42 | $42 | 2.43% |
| WILLIAM B MINTURN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $94 | $0 | $94 | 6.14% |
| CORNERSTONE FINANCIAL PARTNERS LLC3 | 185 MATTHEWS TERR MINERAL, VA 23117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $3 | $3 | 0.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $15 | $15 | — |
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 | 693 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 729 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 634 | $427K |
| Long-term disability(11 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 677 | $1.9M |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 686 | $615K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 686 | — |
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.