| 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 20817 | UNITEDHEALTHCARE INSURANCE COMPANY | $51K | — | $51K | 3.73% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | — | $14K | 1.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP,INC. | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MA 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 12.68% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $822 | — | $822 | 1.55% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $620 | $620 | 1.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER COMPANY | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $397 | $3K | 10.93% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET ST SUITE 201 HAVRE DE GRACE, MD 21078 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $189 | $3K | 10.28% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC.AND AON | 897 12TH STREET HAMMONTON, NC 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $493 | $235 | $728 | 2.28% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $252 | $252 | 0.79% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES OF MRY | PO BOX 632886 CINCINNATI, OH 45263 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $165 | — | $165 | 0.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 12.70% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $407 | — | $407 | 1.54% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY S BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $314 | — | $314 | 1.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP,INC. | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 13.81% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $247 | $247 | 1.01% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $194 | — | $194 | 0.79% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFITS | 203 MARKT STREET STE 201 HARVE DE GRACE, MD 21078 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 8.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 650 ROCK SPRINGS DR STE 500 BETHESDA, MD 78746 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $401 | $401 | 2.37% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH ST STE 1100 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $51 | $51 | 0.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP,INC. | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $594 | — | $594 | 13.83% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY STX BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $43 | $43 | 1.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $33 | — | $33 | 0.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP,INC. | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $21 | — | $21 | 15.11% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2 | $2 | 1.44% |
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 | 254 | 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) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 276 | $1.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 276 | $1.4M |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 276 | $1.5M |
| Life insurance(3 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 166 | $61K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 166 | $26K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 166 | $53K |
| Other(4 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 166 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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.