| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE, SUITE 410 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $5K | 5.53% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $173 | $197 | $370 | 0.44% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP MID-ATLANTIC SG LLC | 4740 CORRIDOR PLACE, SUITE B BELTSVILLE, MD 20705 | METROPOLITAN LIFE INSURANCE COMPANY | $232 | $62 | $294 | 0.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE, SUITE 410 BETHESDA, MD 20817 | VISION SERVICE PLAN | $968 | $0 | $968 | 4.53% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, MD 23466 | VISION SERVICE PLAN | $601 | $0 | $601 | 2.81% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $116 | $0 | $116 | 0.54% |
| MARY THERESA FISHER4 | 898 UNION CHURCH ROAD TOWSEND, DE 19734 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | $0 | $1K | 17.63% |
| PROFESSIONAL BENEFITS SOLUTION4 | 8945 GUILFORD ROAD SUITE 145 COLUMBIA, MD 21046 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $699 | $0 | $699 | 11.23% |
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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 232 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 455 | $85K |
| Vision | VISION SERVICE PLAN | 112 | $21K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 455 | $85K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 455 | $85K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 455 | $85K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 232 | $1.1M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 455 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 455 | — |
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.