| 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 | AETNA LIFE INSURANCE COMPANY | $13K | $0 | $13K | 3.41% |
| FINANCIAL BENEFIT SERVICES INS LLC3 Filed as: FINANCIAL BENEFIT SERVICES INS | 10543 METROPOLITAN AVENUE KENSINGTON, MD 20895 | AETNA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 1.90% |
| FINANCIAL BENEFIT SERVICE3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 5.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 4.76% |
| FINANCIAL BENEFIT SERVICE3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 5.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 4.34% |
| FINANCIAL BENEFIT SERVICE3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 5.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 4.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP MELTZER GROUP BENEFITS | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | EYEMED VSION CARE | $2K | $0 | $2K | 6.01% |
| FINANCIAL BENEFIT SERVICES LLC3 Filed as: FINANCIAL BENEFIT SERVICES | 10 POST OFFICE ROAD CAPITOL VIEW, MD 20910 | EYEMED VSION CARE | $2K | $0 | $2K | 4.04% |
| FINANCIAL BENEFIT SERVICE3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $843 | $0 | $843 | 7.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $359 | $0 | $359 | 2.99% |
| NATALIE S DAVIS4 | 372 BACK NINE DRIVE BANEBERRY, TN 37890 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $632 | $0 | $632 | 16.69% |
| GORDEV INC4 | 104 LONGHORN RD WINTER PARK, FL 32792 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $136 | $0 | $136 | 3.59% |
| THOMAS A SCHWEIKER4 | P O BOX 4471 ARLINGTON, VA 22204 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $112 | $0 | $112 | 2.96% |
| MADDYLOU WORKSHOPS DBA PROACTIVE FI4 Filed as: MADDYLOU WORKSHOPS DBA PROA FIN SOL | 9659 NW 67TH PLACE PARKLAND, FL 33076 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $25 | $0 | $25 | 0.66% |
| THOMAS A SCHWEIKER4 Filed as: THOMAS A. SCHWEIKER | P.O. BOX 4471 ARLINGTON, VA 22204 | LEGALSHIELD | $124 | $0 | $124 | 9.48% |
| LOUISE SEIRMARCO YALE4 | 10919 THANLET LN RESTON, VA 20190 | LEGALSHIELD | $96 | $0 | $96 | 7.34% |
| MADDYLOU WORKSHOPS DBA PROACTIVE FI4 Filed as: MADDYLOU WORKSHOPS DBA PROACTIVE | 9659 NW 67TH PLACE PARKLAND, FL 33076 | LEGALSHIELD | $38 | $0 | $38 | 2.91% |
| NATALIE S DAVIS4 | 372 BACK NINE DRIVE BANEBERRY, TN 37890 | LEGALSHIELD | $25 | $0 | $25 | 1.91% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP MELTZER GROUP BENEFITS | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | EYEMED VISION CARE | $47 | $0 | $47 | 16.73% |
| FINANCIAL BENEFIT SERVICES LLC3 Filed as: FINANCIAL BENEFIT SERVICES | 10 POST OFFICE ROAD SUITE 233 CAPITOL VIEW, MD 20902 | EYEMED VISION CARE | $43 | $0 | $43 | 15.30% |
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 | 649 | 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) | 649 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 951 | $368K |
| Vision(2 contracts, 2 carriers) | EYEMED VSION CARE | 721 | $38K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 649 | $102K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 649 | $111K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 649 | $81K |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 649 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 951 | — |
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.