| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF AMERICA | $5K | $465 | $5K | 5.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR. STE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF AMERICA | $0 | $836 | $836 | 0.80% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC. | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERCIA | $4K | $451 | $5K | 5.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP | 6500 ROCK SPRING DR. STE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERCIA | $0 | $868 | $868 | 0.94% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R. NELLIGAN & ASSOC. | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $309 | $3K | 5.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP | 6500 ROCK SPRING DR. STE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $595 | $595 | 0.86% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R. NELLIGAN & ASSOC. | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $136 | $2K | 5.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR. STE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $256 | $256 | 0.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.75% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET ST #201 HAVRE DE GRACE, MD 21078 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.77% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFITS GROUP INC | 203 MARKET ST #201 HAVRE DE GRACE, MD 21078 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $924 | $0 | $924 | 7.78% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET ST #201 HAVRE DE GRACE, MD 21078 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $924 | $0 | $924 | 7.78% |
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 | 339 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 227 | $3.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 227 | $3.2M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 278 | $3.2M |
| Life insurance | LIFE INSURANCE COMPANY OF AMERICA | 0 | $104K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERCIA | 0 | $92K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $69K |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.