| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20807 | UNITED CONCORDIA INSURANCE COMPANY | $2K | $0 | $2K | 11.90% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND LLC | 118 EDENDERRY AVE. CENTREVILLE, MD 21617 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 12.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND LLC | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 210311004 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $674 | $674 | 4.37% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 30 MILL STREET UNIONVILLE, CT 06085 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $449 | $449 | 2.91% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND LLC | 118 EDENDERRY AVE., STE. 130 CENTREVILLE, MD 21617 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 12.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $478 | $0 | $478 | 5.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND, LLC | 11311 MCCORMICK RD SUITE 500 HUNT VALLEY, MD 210311004 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $341 | $341 | 3.56% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 30 MILL STREET UNIONVILLE, CT 06085 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $227 | $227 | 2.37% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND LLC | 118 EDENDERRY AVE., STE. 130 CENTREVILLE, MD 21617 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $986 | $0 | $986 | 12.01% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $411 | $0 | $411 | 5.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND LLC | 118 EDENDERRY AVE., STE. 130 CENTREVILLE, MD 21617 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $196 | $0 | $196 | 5.01% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $196 | $0 | $196 | 5.01% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND LLC | 118 EDENDERRY AVE., STE. 130 CENTREVILLE, MD 21617 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $501 | $0 | $501 | 14.99% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $167 | $0 | $167 | 5.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 118 EDENDERRY AVE. CENTREVILLE, MD 21617 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $390 | $0 | $390 | 12.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC. | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20807 | VISION SERVICE PLAN | $160 | $0 | $160 | 5.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $372 | $0 | $372 | 20.01% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND LLC | 118 EDENDERRY AVE., STE. 130 CENTREVILLE, MD 21617 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2 | $0 | $2 | 10.53% |
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 | 126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 117 | $21K |
| Vision | VISION SERVICE PLAN | 58 | $3K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 121 | $15K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 69 | $8K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 121 | $10K |
| Other(6 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 121 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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.
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.