| 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 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | $0 | $119K | $119K | 5.98% |
| POTOMAC BASIN GROUP ASSOC LLC5 Filed as: POTOMAC BASIN GROUP ASSOC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | $0 | $11K | $11K | 0.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20807 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $5K | $14K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | 5.34% |
| TOTALIS BENEFITS3 Filed as: TOTALIS | 8777 N GAINEY CENTER DR. SUITE 260 SCOTTSDALE, AZ 85258 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 2.40% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 2600 KELLY ROAD SUITE 300 WARRINGTON, PA 18976 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $6K | 15.00% |
| AMWINS3 Filed as: AMWINS ANCILLARY LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 5.35% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS, INC | 8777 N GAINEY CENTER DR. SUITE 260 SCOTTSDALE, AZ 85258 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $993 | $993 | 2.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 410 BETHESDA, MD 20817 | VISION SERVICE PLAN | $782 | $0 | $782 | 5.39% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $0 | $0 | $0 | 0.00% |
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 | 154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 218 | $2.0M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 217 | $120K |
| Vision | VISION SERVICE PLAN | 110 | $15K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 169 | $137K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 169 | $96K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 169 | $96K |
| Prescription drug | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 218 | $2.0M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 75 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.