| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 401 BETHESDA, MD 20817 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $28K | $7K | $35K | 4.52% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP MID-ATLANTIC SG LLC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $6K | $0 | $6K | 0.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR #500 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 15.46% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HXY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $323 | $323 | 0.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE #500 BETHESDA, MD 20817 | DOMINION NATIONAL | $2K | $0 | $2K | 4.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE #500 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $412 | $2K | 15.81% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $89 | $89 | 0.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $809 | $228 | $1K | 15.39% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $51 | $51 | 0.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $570 | $0 | $570 | 10.67% |
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 | 129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 114 | $770K |
| Dental | DOMINION NATIONAL | 79 | $41K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 61 | $5K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 118 | $18K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 118 | $44K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 118 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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 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.