| 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 | $30K | $4K | $33K | 3.75% |
| 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 | $7K | $0 | $7K | 0.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC | 6500 ROCK SPRINGS DR SUITE 500 BATHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 12.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE #500 BETHESDA, MD 20817 | DOMINION NATIONAL | $2K | $0 | $2K | 4.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP BENEFITS | 6500 ROCK SPRINGS DR SUITE 500 BATHESDA, MD 20817 | KAISER FOUNDATION HEALTH PLAN, INC | $111 | $0 | $111 | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $496 | $0 | $496 | 7.40% |
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 | 130 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 108 | $894K |
| Dental | DOMINION NATIONAL | 80 | $57K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 89 | $7K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $73K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $73K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.