| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | AETNA LIFE INSURANCE COMPANY | $0 | $21K | $21K | 0.53% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $1K | $0 | $1K | 0.33% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS COUNCILMAN MICHAELS | 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 7.61% |
| LTCI PARTNERS LLC3 | 100 FIELD DRIVE SUITE 310 LAKE FOREST, IL 60045 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 7.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $626 | $6K | 28.24% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $21 | $5K | 25.24% |
| AON CONSULTING INC3 Filed as: BSWIFT | 10 S RIVERSIDE PLAZA SUITE 1100 CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $563 | $0 | $563 | 2.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, LLC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | HYATT LEGAL PLANS | $2K | $0 | $2K | 10.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $189 | $2K | 25.76% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $28 | $2K | 22.25% |
| MICHAEL C WALKER3 Filed as: MICHAEL WALKER | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $788 | $0 | $788 | 8.59% |
| JACK ABEL3 | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $627 | $49 | $676 | 7.37% |
| AON CONSULTING INC3 Filed as: BSWIFT | 10 S RIVERSIDE PLAZA SUITE 1100 CHICAGO, IL 60606 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $229 | $0 | $229 | 2.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | AETNA INTERNATIONAL | $667 | $0 | $667 | 22.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | MONUMENTAL LIFE INSURANCE COMPANY | $79 | $0 | $79 | 2.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $26 | $26 | 0.95% |
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 | 432 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 448 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 814 | $4.3M |
| Dental(2 contracts) | AETNA LIFE INSURANCE COMPANY | 814 | $3.9M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 273 | $59K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 814 | $3.9M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 814 | $3.9M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 84 | $359K |
| Other(6 contracts, 5 carriers) | AETNA LIFE INSURANCE COMPANY | 814 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 814 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.