| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC. | C/O NFP PO BOX 783088 PHILADELPHIA, PA 19178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $236K | $236K | 0.86% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $34K | $0 | $34K | 0.12% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $26K | $0 | $26K | 3.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC | 6903 ROCKLEDGE DRIVE STE 1400 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $24K | $0 | $24K | 3.40% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S. GARLAND AVENUE SUITE 203 ORLANDO, FL 32801 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $21K | $21K | 2.97% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TEXAS HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $11K | $11K | 1.52% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS INC. | 1250 CAPITAL OF TEXAS HWY S BLDG 2 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $0 | $6K | 0.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC | 6903 ROCKLEDGE DRIVE STE 1400 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $0 | $7K | 3.72% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $0 | $7K | 3.41% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S. GARLAND AVENUE SUITE 203 ORLANDO, FL 32801 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $6K | $6K | 2.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPTIAL OF TEXAS HWY S SUITE 600 BLDG II AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.19% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS INC. | 1250 CAPITAL OF TEXAS HWY S BLDG 2 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC | 6903 ROCKLEDGE DRIVE STE 1400 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.31% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S. GARLAND AVENUE SUITE 203 ORLANDO, FL 32801 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $999 | $0 | $999 | 2.95% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 CAPITAL OF TEXAS HWY S SUITE 600 BLDG II AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $652 | $652 | 1.92% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS, INC | 1250 CAPITAL OF TEXAS HWY S BLDG 2 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $251 | $0 | $251 | 0.74% |
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 | 1,474 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 70 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,555 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,252 | $27.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,252 | $27.5M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,252 | $27.5M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,474 | $718K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,474 | $201K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,474 | $751K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,474 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.