| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS LLC | 195 BROADWAY 15TH FLOOR NEW YORK, NY 10007 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | $0 | $131K | $131K | 4.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | $0 | $23K | $23K | 0.87% |
| AP BENEFIT ADVISOR5 Filed as: AP BENEFIT ADVISOR LLC_WHL | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | $0 | $11K | $11K | 0.43% |
| POTOMAC BASIN GROUP ASSOCIATES LLC5 | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | $0 | $2K | $2K | 0.09% |
| NAMELY EMPLOYEE BENEFITS, LLC3 | 195 BROADWAY 15TH FLOOR NEW YORK, NY 10007 | DELTA DENTAL OF VIRGINIA | $10K | $0 | $10K | 4.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | DELTA DENTAL OF VIRGINIA | $19 | $0 | $19 | 0.01% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS LLC | 195 BROADWAY 15TH FLOOR NEW YORK, NY 10007 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $23K | $0 | $23K | 18.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP BENEFITS | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.08% |
| NAMELY EMPLOYEE BENEFITS, LLC3 | 195 BROADWAY 15TH FLOOR NEW YORK, NY 10007 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 14.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $83 | $0 | $83 | 0.15% |
| NAMELY EMPLOYEE BENEFITS, LLC3 | 195 BROADWAY 15TH FLOOR NEW YORK, NY 10007 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 17.50% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS LLC | 195 BROADWAY 15TH FLOOR NEW YORK, NY 10007 | CHLIC FOR THE BENEFIT OF LINA | $4K | $0 | $4K | 18.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP BENEFITS | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | CHLIC FOR THE BENEFIT OF LINA | $434 | $0 | $434 | 1.88% |
| NAMELY EMPLOYEE BENEFITS, LLC3 | 195 BROADWAY 15TH FLOOR NEW YORK, NY 10007 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $101 | $2K | 15.42% |
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 | 178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 383 | $2.8M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF VIRGINIA | 394 | $329K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6 | $75K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 0 | $52K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6 | $75K |
| Prescription drug | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 383 | $2.7M |
| Other(5 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 179 | $269K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 394 | — |
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.