| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| B & C CONSULTING LLC3 Filed as: DB CONSULTING GROUP INC | — | DELTA DENTAL OF PENNSYLVANIA | $12K | $0 | $12K | 9.91% |
| PAMELA E JONES3 Filed as: PAMELA WARFIELD | — | DELTA DENTAL OF PENNSYLVANIA | $42 | $0 | $42 | 0.03% |
| NINA LEGATE3 Filed as: NINA MALYUTINA | — | DELTA DENTAL OF PENNSYLVANIA | $37 | $0 | $37 | 0.03% |
| AYESHA W NICHOLAS3 | — | DELTA DENTAL OF PENNSYLVANIA | $19 | $0 | $19 | 0.02% |
| PAULETTE VICTORIA WALKER3 Filed as: PAULETTE J ZIEGFELD | — | DELTA DENTAL OF PENNSYLVANIA | $15 | $0 | $15 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $24K | $0 | $24K | 25.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $6K | $6K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR SUITE 500 BETHESDA, MD 20817 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | $797 | $0 | $797 | 5.00% |
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 | 160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 297 | $124K |
| Vision | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 265 | $16K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 160 | $97K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 160 | $97K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 160 | $97K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 160 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.