| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | AETNA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $0 | $4K | $4K | 0.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $17K | $17K | 3.28% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS COUNCILMAN MICHAELS | 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 9.03% |
| LTCI PARTNERS LLC3 | 2189 N ILLNOIS ROUTE 83 SUITE 110 ROUND LAKE BEACH, IL 60073 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 9.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $265 | $3K | 10.19% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $204 | $3K | 10.00% |
| AON CONSULTING INC3 Filed as: BSWIFT | 10 S RIVERSIDE PLAZA SUITE 1100 CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $931 | $0 | $931 | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP LLC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $2K | $440 | $3K | 11.86% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $0 | $206 | $206 | 0.87% |
| 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 | $164 | $2K | 17.39% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $123 | $2K | 16.83% |
| AON CONSULTING INC3 Filed as: BSWIFT | 10 S RIVERSIDE PLAZA SUITE 1100 CHICAGO, IL 60606 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $338 | $0 | $338 | 2.84% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HIGHWAY BUILDING 2 SUITE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $91 | $91 | 0.76% |
| MICHAEL C WALKER3 Filed as: MICHAEL WALKER | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $29 | $0 | $29 | 0.24% |
| ABEL3 Filed as: ABEL, JACK, WALMAN | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | AETNA INTERNATIONAL | $789 | $0 | $789 | 10.83% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | — | MONUMENTAL LIFE INSURANCE COMPANY | $180 | $0 | $180 | 7.61% |
| 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 | $41 | $41 | 1.97% |
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 | 657 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 63 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 723 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 1,221 | $5.6M |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,221 | $2.7M |
| Vision | VISION SERVICE PLAN | 424 | $87K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 657 | $543K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 657 | $531K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 130 | $677K |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,105 | $649K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,221 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.