| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | PO BOX 783088 PHILADELPHIA, PA 19178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $5K | $10K | 0.20% |
| ACRISURE LLC3 Filed as: ACRISURE PARTNERS WEST | 3155 OLSEN DRIVE SUITE 400 SAN JOSE, CA 95117 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 0.15% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $44 | $44 | 0.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASS LLC | 1933 STATE ROUTE 35 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 2.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP, INC. | 6500 ROCK SPRING DR. BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $745 | — | $745 | 1.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD WARRINGTON, PA 18976 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $644 | $644 | 1.29% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $175 | $350 | $525 | 1.05% |
| ACRISURE LLC3 Filed as: ACRISURE WEST INS SERVICES LLC | 900 EAST HAMILTON AVE CAMPBELL, CA 95008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $330 | — | $330 | 0.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP, INC. | 6500 ROCK SPRING DR BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 2.92% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 2.92% |
| ACRISURE LLC3 Filed as: ACRISURE WEST INS SERVICES LLC | 900 EAST HAMILTON AVE CAMPBELL, CA 95008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $548 | — | $548 | 1.42% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $252 | $252 | $504 | 1.31% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD WARRINGTON, PA 18976 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $90 | $90 | 0.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP, INC. | 6500 ROCK SPRINGS DR BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 3.24% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASS LLC | 1933 STATE ROUTE 35 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 3.24% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $295 | $295 | $590 | 1.62% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD. WARRINGTON, PA 18975 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $458 | $458 | 1.26% |
| ACRISURE LLC3 Filed as: ACRISURE WEST INS SRVCS LLC | 900 E HAMILTON AVE CAMPBELL, CA 95008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $348 | — | $348 | 0.95% |
| BROKER NOT PROVIDED3 Filed as: NO BROKER PROVIDED | — | FIDELITY SECURITY LIFE INSURANCE | $2K | — | $2K | 9.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP, INC. | 6500 ROCK SPRING DR. BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $274 | — | $274 | 3.25% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASS INC | 1933 STATE ROUTE 35 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $274 | $274 | 3.25% |
| ACRISURE LLC3 Filed as: ACRISURE WEST INS SRVCS LLC | 900 E HAMILTON AVENUE CAMPBELL, CA 95008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $85 | — | $85 | 1.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD WARRINGTON, PA 18976 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $65 | $65 | 0.77% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $63 | — | $63 | 0.75% |
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 | 417 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 422 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 370 | $5.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 370 | $5.1M |
| Vision | FIDELITY SECURITY LIFE INSURANCE | 640 | $23K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 417 | $39K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 417 | $50K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 417 | $36K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 417 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 640 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.