| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FINANCIAL BENEFIT SERVICES INS LLC3 Filed as: FINANCIAL BENEFIT SERVICES INS | 10 POST OFFICE ROAD CAPITAL VIEW, MD 20910 | GHMSI | — | $40K | $40K | 3.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | AETNA LIFE INSURANCE COMPANY | $48K | $0 | $48K | 8.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR SUITE 500 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $10K | 11.32% |
| PATRICK M DUNN3 Filed as: PATRICK DUNN | 10543 METROPOLITAN AVE KENSINGTON, MD 20817 | THE GUARDIAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INSURANCE | 6500 ROCK SPRINGS DRIVE STE 500 BETHESDA, MD 20817 | THE GUARDIAN LIFE INSURANCE COMPANY | $1K | $1K | $3K | — |
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 | 271 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GHMSI | 348 | $1.7M |
| Dental | AETNA LIFE INSURANCE COMPANY | 117 | $605K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 228 | $605K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 260 | $693K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 117 | $605K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 260 | $88K |
| Prescription drug | GHMSI | 348 | $1.1M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 260 | $693K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 348 | — |
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."
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.