| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRICIA A SCHRADE3 Filed as: PATRICIA SCHRADE | 3950 CHAIN BRIDGE ROAD SUITE 8 FAIRFAX, VA 22030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $45K | $45K | 3.38% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGCY & FIN SVCS | 4851 LBJ FEREEWAY SUITE 100 DALLAS, TX 75244 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $27K | $27K | 2.00% |
| MATHER BENEFIT ADMINISTRATORS, LLC3 Filed as: MATHER BENEFIT ADMINISTRATORS LLC | 10540 YORK ROAD COCKEYSVILLE, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $3K | $10K | 8.12% |
| PATRICIA A SCHRADE3 Filed as: PATRICIA SCHRADE | 3950 CHAIN BRIDGE ROAD SUITE 8 FAIRFAX, VA 22030 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 3.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $178 | $714 | $892 | 0.69% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY BUILDING 2 SUITE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $92 | — | $92 | 0.07% |
| PATRICIA A SCHRADE3 | 3950 CHAIN BRIDGE ROAD SUITE 8 FAIRFAX, VA 22030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 6.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6 | $712 | $718 | 1.22% |
| PATRICIA A SCHRADE3 | 3950 CHAIN BRIDGE ROAD SUITE 8 FAIRFAX, VA 22030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4 | $461 | $465 | 1.21% |
| SHANNON & LUCHS INSURANCE3 | 400 PROFESSIONAL DRIVE SUITE 360 GAITHERSBURG, MD 20879 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 15.00% |
| PATRICIA A SCHRADE3 | 3950 CHAIN BRIDGE ROAD SUITE 8 FAIRFAX, VA 22030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2 | $181 | $183 | 1.22% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN LLC | 704 QUINCE ORCHARD RD SUITE 250 GAITHERSBURG, MD 20878 | VISION SERVICE PLAN | $871 | — | $871 | 6.50% |
| PATRICIA A SCHRADE3 | 3950 CHAIN BRIDGE ROAD SUITE 8 FAIRFAX, VA 22030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 8.02% |
| BENEFIT MALL3 | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21286 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $252 | — | $252 | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2 | $159 | $161 | 1.28% |
| PATRICIA A SCHRADE3 | 3950 CHAIN BRIDGE ROAD SUITE 8 FAIRFAX, VA 22030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $405 | — | $405 | 14.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1 | $32 | $33 | 1.22% |
| PATRICIA A SCHRADE3 | 3950 CHAIN BRIDGE ROAD SUITE 8 FAIRFAX, VA 22030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $68 | — | $68 | 7.86% |
| BENEFITMALL3 | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21286 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17 | — | $17 | 1.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2 | $11 | $13 | 1.50% |
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 | 202 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 142 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 291 | $129K |
| Vision | VISION SERVICE PLAN | 1 | $13K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 223 | $28K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 223 | $59K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 221 | $38K |
| Other(6 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 223 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.