| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $101K | $101K | 3.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR. SUITE 410 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $2K | $18K | 7.93% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC. | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC. | 6500 ROCK SPRING DRIVE STE 500 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $4K | $16K | 12.94% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $381 | $381 | 0.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP, INC. | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $2K | $8K | 12.93% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $194 | $194 | 0.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 17.72% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET ST STE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 13.33% |
| MATTHEW D DIPASQUALE3 | 1714 FLEET STREET BALTIMORE, MD 21231 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.79% |
| MICHAEL C WALKER3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $573 | $0 | $573 | 1.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 410 BETHESDA, MD 20817 | VISION SERVICE PLAN | $3K | $0 | $3K | 9.84% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP/NFP | 3445 PEACHTREE RD NE SUITE 200 ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $2K | $10K | 43.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $444 | $444 | 1.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $547 | $3K | 17.92% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $61 | $61 | 0.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC. | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $423 | $2K | 13.03% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $50 | $50 | 0.36% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 50.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC. | 6707 DEMOCRACY BLVD #500 BETHESDA, MD 20817 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 50.00% |
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 | 255 | 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) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 332 | $2.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 617 | $229K |
| Vision | VISION SERVICE PLAN | 265 | $26K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 255 | $33K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 255 | $121K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 255 | $62K |
| Other(5 contracts, 4 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 255 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 617 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.