| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERCIA | $0 | $836 | $836 | 0.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF AMERICA | $0 | $824 | $824 | 0.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $554 | $554 | 0.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $321 | $321 | 1.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 5.78% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET ST #201 HAVRE DE GRACE, MD 21078 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 5.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $993 | $0 | $993 | 6.10% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFITS GROUP INC | 203 MARKET ST #201 HAVRE DE GRACE, MD 21078 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $993 | $0 | $993 | 6.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $775 | $0 | $775 | 6.31% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET ST #201 HAVRE DE GRACE, MD 21078 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $775 | $0 | $775 | 6.31% |
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 | 241 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 481 | $2.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 481 | $2.0M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 481 | $2.0M |
| Life insurance | LIFE INSURANCE COMPANY OF AMERICA | 241 | $90K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERCIA | 241 | $91K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 241 | $63K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 481 | $2.0M |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 263 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 481 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.