| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR STE 410 BETHESDSA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $0 | $14K | 8.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP MID ATLANTIC SG LLC | 4740 CORRIDOR PL STE B ATTN JENNIFE BELTSVILLE, MD 207051164 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $62 | $7K | 4.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDSA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $5K | 14.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC | 6500 ROCK SPRING DR STE 500 BETHESDSA, MD 20817 | VISION SERVICE PLAN | $2K | $0 | $2K | 9.18% |
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 | 156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 37 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 154 | $164K |
| Vision | VISION SERVICE PLAN | 158 | $20K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 74 | $35K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 74 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.