| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE BETHESDA, MD 20817 | AETNA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $442 | $3K | 12.46% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $265 | $0 | $265 | 1.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 410 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $262 | $2K | 7.67% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP MID-ATLANTIC SG LLC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | METROPOLITAN LIFE INSURANCE COMPANY | $680 | $16 | $696 | 3.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP BENEFITS | 6500 ROCK SPRING DRIVE SUITE 410 BETHESDA, MD 20817 | VISION SERVICE PLAN | $294 | $0 | $294 | 7.39% |
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 | 40 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 46 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 22 | $305K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 52 | $21K |
| Vision | VISION SERVICE PLAN | 35 | $4K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 40 | $22K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 40 | $22K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 40 | $22K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 40 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 52 | — |
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."
No prospect flags tripped on this filing.