| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $111K | $111K | 3.83% |
| POTOMAC BASSIN GROUP ASSOC LLC5 | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | $0 | $12K | $12K | 0.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC. | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | GUARDIAN | $19K | $0 | $19K | 7.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | DELTA DENTAL OF VIRGINIA | $7K | $0 | $7K | 3.79% |
| NAMELY EMPLOYEE BENEFITS, LLC3 | 35 PARKWOOD DR SUITE 200 HOPKINTON, MA 01748 | DELTA DENTAL OF VIRGINIA | $37 | $0 | $37 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP BENEFITS | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | $0 | $13K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 14.11% |
| NAMELY EMPLOYEE BENEFITS, LLC3 | 35 PARKWOOD DR SUITE 200 HOPKINTON, MA 01748 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $519 | $0 | $519 | 0.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP BENEFITS | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 10.00% |
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 | 192 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 380 | $3.0M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF VIRGINIA | 390 | $319K |
| Vision | GUARDIAN | 192 | $241K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 192 | $284K |
| Short-term disability | GUARDIAN | 192 | $241K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN | 192 | $284K |
| Prescription drug | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 380 | $2.9M |
| Other(4 contracts, 4 carriers) | GUARDIAN | 192 | $471K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 390 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.