| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | STANDARD INSURANCE COMPANY | $136K | $0 | $136K | 12.09% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY S BUILDING 2 SUITE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $17K | $0 | $17K | 1.51% |
| MATHER & STROHL ADMIN SVCS INC3 | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | STANDARD INSURANCE COMPANY | $11K | $0 | $11K | 0.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC. | 6500 ROCK SPRINGS DR STE 500 BETHESDA, MD 20817 | UNITEDHEALTCHCARE INSURANCE COMPANY | $5K | $0 | $5K | 2.37% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP MELTZER GROUP BENEFITS | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | EYEMED VISION CARE | $9K | $0 | $9K | 12.88% |
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 | 1,325 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,342 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTCHCARE INSURANCE COMPANY | 39 | $222K |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTCHCARE INSURANCE COMPANY | 39 | $222K |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE | 1,485 | $79K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,325 | $1.1M |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,325 | $1.1M |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,325 | $1.1M |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 3 | $6K |
| Other | STANDARD INSURANCE COMPANY | 1,325 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,485 | — |
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.