| 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 | $31K | $0 | $31K | 9.75% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $2K | $11K | 3.31% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS, INC | 8777 N GAINEY CENTER DR. SUITE 260 SCOTTSDALE, AZ 85258 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 2.12% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY S AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $292 | $0 | $292 | 0.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDSA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $6K | $30K | 14.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20807 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $2K | $7K | 14.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC | 6500 ROCK SPRING DR STE 410 BETHESDSA, MD 20817 | VISION SERVICE PLAN | $3K | $0 | $3K | 10.01% |
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 | 258 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 20 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 879 | $323K |
| Vision | VISION SERVICE PLAN | 255 | $31K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 357 | $252K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 357 | $206K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 357 | $206K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 357 | $252K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 879 | — |
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.