| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP | 6500 ROCK SPRING DR BETHESDA, MD 20817 | AETNA LIFE INSURANCE CO. | $7K | $191K | $198K | 2.55% |
| FINANCIAL BENEFIT SERVICES INS LLC3 | 10543 METROPOLITAN AVE KENSINGTON, MD 20895 | AETNA LIFE INSURANCE CO. | $25 | $1 | $26 | 0.00% |
| PATRICK M DUNN3 Filed as: PATRICK MICHAEL DUNN | 10 POST OFFICE ROAD SUITE 233 CAPITOL VIEW, MD 20902 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 10.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | STE 500 6500 ROCK SPRING DR BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $75 | $75 | 0.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP BENEFITS | 6500 ROCK SPRING DR STE 410 BETHESDA, MD 208171199 | VISION SERVICE PLAN | $860 | $0 | $860 | 6.58% |
| PATRICK M DUNN3 | 10 POST OFFICE ROAD SUITE 233 CAPITOL VIEW, MD 20902 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 20.00% |
| PATRICK M DUNN3 Filed as: PATRICK MICHAEL DUNN | 10 POST OFFICE RD STE 233 CAPITOL VIEW, MD 20902 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $105 | $0 | $105 | 11.51% |
| CORNERSTONE FINANCIAL PARTNERS LLC3 | 185 MATTHEWS TERR MINERAL, VA 23117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $21 | $21 | 2.30% |
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 | 772 | 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) | 772 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 772 | $7.8M |
| Dental | AETNA LIFE INSURANCE CO. | 772 | $7.8M |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 772 | $7.8M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 21 | $33K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 21 | $33K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 21 | $33K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 24 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 772 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.