| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROBEN PROFESSIONAL BEN3 | 8945 GUILFORD ROAD SUITE 145 COLUMBIA, MD 21046 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 11.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRINGS DR SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 3.55% |
| PROBEN PROFESSIONAL BEN3 | 8945 GUILFORD RD SUITE 145 COLUMBIA, MD 21046 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 11.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRINGS DR SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $827 | $0 | $827 | 3.55% |
| PROBEN PROFESSIONAL BEN3 | 8945 GUILFORD ROAD SUITE 145 COLUMBIA, MD 21046 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 10.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRINGS DR SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $594 | $0 | $594 | 4.73% |
| PROBEN PROFESSIONAL BEN3 | 8945 GUILFORD RD SUITE 145 COLUMBIA, MD 21046 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $261 | $0 | $261 | 11.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRINGS DR SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $81 | $0 | $81 | 3.55% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 123 | $13K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 123 | $32K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 123 | $23K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 123 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.