| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | SUITE 500 6500 ROCK SPRING DRIVE BETHESDA, MD 20817 | RELIANCE STANDARD - LIFE INSURANCE COMPANY | $8K | — | $8K | 17.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD - LIFE INSURANCE COMPANY | — | $611 | $611 | 1.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD - LIFE INSURANCE COMPANY | $4K | — | $4K | 16.38% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD - LIFE INSURANCE COMPANY | — | $330 | $330 | 1.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | SUITE 500 6500 ROCK SPRING DRIVE BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $986 | $0 | $986 | 14.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TOTAL ADMINISTRATION SERVICES CORP EIN 39-1561025 | Contract Administrator Service code 13 | 2302 INTERNATIONAL LANE MADISON, WI 53704 | $5K |
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 | 236 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIANCE STANDARD - LIFE INSURANCE COMPANY | 243 | $50K |
| Long-term disability | RELIANCE STANDARD - LIFE INSURANCE COMPANY | 243 | $27K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD - LIFE INSURANCE COMPANY | 243 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.