| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC. | 6500 ROCK SPRING DRIVE STE 500 BETHESDA, MD 20817 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | $32K | $34K | 4.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC. | 6500 ROCK SPRING DRIVE STE 500 BETHESDA, MD 20817 | THE HARTFORD LIFE AND ACCIDENT | $843 | $0 | $843 | 10.10% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (TX),LLC | ATTN THOMAS ZIMMER STE 600 AUSTIN, TX 78746 | THE HARTFORD LIFE AND ACCIDENT | $0 | $70 | $70 | 0.84% |
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 | 227 | 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) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 108 | $703K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 108 | $703K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 108 | $703K |
| Life insurance | THE HARTFORD LIFE AND ACCIDENT | 227 | $8K |
| Other | THE HARTFORD LIFE AND ACCIDENT | 227 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.