| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $73K | $77K | 3.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 12505 PARK POTOMAC AVE STE 300 POTOMAC, MD 20854 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $19K | $21K | 0.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | HARTFORD LIFE AND ACCIDENT | $23K | — | $23K | 6.95% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 12505 PARK POTOMAC AVENUE SUITE 300 POTOMAC, MD 20854 | HARTFORD LIFE AND ACCIDENT | $10K | — | $10K | 3.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD SUITE 300 CHARLOTTE, NC 28211 | HARTFORD LIFE AND ACCIDENT | — | $5K | $5K | 1.42% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 801 S FIGUEROA ST SUITE 800 LOS ANGELES, CA 90017 | HARTFORD LIFE AND ACCIDENT | — | $1 | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $2K | $3K | 7.52% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST 8TH FLOOR BUFFALO, NY 14204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 225 SCHILLING CIRCLE SUITE 150 HUNT VALLEY, MD 21031 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $449 | — | $449 | 1.02% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET FLOOR 8 BUFFALO, NY 14204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 13.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC. | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 6.74% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 29848 NETWORK PLACE CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $462 | — | $462 | 1.36% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $9 | $9 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | SYMETRA LIFE INSURANCE COMPANY | $1K | $23 | $1K | 8.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 12505 PARK POTOMAC AVE FL 7 POTOMAC, MD 20854 | SYMETRA LIFE INSURANCE COMPANY | $347 | — | $347 | 2.23% |
| LIAZON BENEFITS INC3 Filed as: LIAZON | 737 MAIN STREET BUFFALO, NY 14203 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $1K | $1K | 11.71% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS | 737 MAIN STREET BUFFALO, NY 14203 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $117 | $117 | 1.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC. | 6500 ROCK SPRING DR STE 500 BETHESDA, MA 20817 | CONTINENTAL AMERICAN INSURANCE COMPANY | $605 | — | $605 | 23.32% |
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 | 383 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 387 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 592 | $3.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 592 | $2.5M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 182 | $44K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 390 | $337K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 390 | $337K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 390 | $337K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 592 | $3.4M |
| Other(8 contracts, 8 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 390 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 592 | — |
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.