| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POTOMAC BASIN GROUP ASSOCIATES LLC3 Filed as: POTOMAC BASIS GROUP ASSOC | 6500 ROCK SPRING DRIVE SUITE 410 BETHESDA, MD 20817 | CIGNA | $9K | $47K | $56K | 3.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR SUITE 500 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INS COMPANY | $5K | $728 | $6K | 17.15% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES | 1250 S CAPITAL OF TEXAS HWY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INS COMPANY | — | $303 | $303 | 0.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR SUITE 500 BETHESDA, MD 20817 | UNITED MUTUAL OF OMAHA INS COMPANY | $4K | $525 | $4K | 17.18% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES | 1250 S CAPITAL OF TEXAS HWY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED MUTUAL OF OMAHA INS COMPANY | — | $219 | $219 | 0.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR SUITE 500 BETHESDA, MD 20817 | UNITED PG OMAHA LIFE INSURANCE CO | $3K | $469 | $4K | 17.15% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES | 1250 S CAPITAL OF TEXAS HWY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED PG OMAHA LIFE INSURANCE CO | — | $195 | $195 | 0.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR SUITE 500 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INS COMPANY | $1K | $206 | $2K | 17.10% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TEXAS HWY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INS COMPANY | — | $86 | $86 | 0.87% |
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 | 223 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 148 | $1.4M |
| Dental | CIGNA | 148 | $1.4M |
| Vision | CIGNA | 148 | $1.4M |
| Life insurance(2 contracts, 2 carriers) | UNITED MUTUAL OF OMAHA INS COMPANY | 223 | $34K |
| Long-term disability | UNITED PG OMAHA LIFE INSURANCE CO | 223 | $22K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INS COMPANY | 223 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.