| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20807 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | $0 | $11K | 0.41% |
| NFP INSURANCE SERVICES INC0 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | THE LINCOLN NATIONAL LIFE INSURANCE | $0 | $3K | $3K | 2.68% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY BLDG 2 STE 125 AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE | $0 | $228 | $228 | 0.22% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP COPRORATE SERVICES (SE) | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.68% |
| NFP INSURANCE SERVICES INC0 | 1250 S CAPITAL OF TX HWY BLDG 2 STE 125 AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $150 | $150 | 0.23% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.69% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY BLDG 2 STE 125 AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $454 | $454 | 1.13% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | THE LINCOLN NATIONAL LIFE INSURANCE | $0 | $511 | $511 | 2.67% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY BLDG 2 STE 125 AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE | $0 | $215 | $215 | 1.12% |
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 | 364 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 373 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 339 | $2.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 339 | $2.6M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 339 | $2.6M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE | 369 | $121K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 82 | $40K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 370 | $67K |
| Other(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 369 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 370 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.