| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $715 | $25K | $26K | 0.98% |
| REILLY BENEFITS, INC3 Filed as: REILLY BENEFITS, INC. | PO BOX 490 CHURCHTON, MD 20733 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$4 | -$81 | -$85 | -0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $6K | $19K | 18.60% |
| REILLY BENEFITS, INC3 | 1004 WINDJAMMER COURT CHURCHTON, MD 20733 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.44% |
| MARSH & MCLENNAN AGENCY LLC5 Filed as: THE MELTZER GROUP, INC | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.63% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.26% |
| REILLY BENEFITS, INC5 | 1004 WINDJAMMER CT CHURCHTON, MD 20733 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $850 | $850 | 0.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $4K | $11K | 18.68% |
| REILLY BENEFITS, INC3 | 1004 WINDJAMMER COURT CHURCHTON, MD 20733 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.47% |
| MARSH & MCLENNAN AGENCY LLC5 Filed as: THE MELTZER GROUP, INC | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $973 | $973 | 1.64% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $761 | $761 | 1.28% |
| REILLY BENEFITS, INC5 | 1004 WINDJAMMER CT CHURCHTON, MD 20733 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $488 | $488 | 0.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $9K | 18.49% |
| REILLY BENEFITS, INC3 | 1004 WINDJAMMER COURT CHURCHTON, MD 20733 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.44% |
| MARSH & MCLENNAN AGENCY LLC5 Filed as: THE MELTZER GROUP, INC | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $821 | $821 | 1.61% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $630 | $630 | 1.23% |
| REILLY BENEFITS, INC5 | 1004 WINDJAMMER CT CHURCHTON, MD 20733 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $414 | $414 | 0.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $9K | 17.88% |
| REILLY BENEFITS, INC3 | 1004 WINDJAMMER COURT CHURCHTON, MD 20733 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.36% |
| MARSH & MCLENNAN AGENCY LLC5 Filed as: THE MELTZER GROUP, INC | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $794 | $794 | 1.61% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $523 | $523 | 1.06% |
| REILLY BENEFITS, INC5 | 1004 WINDJAMMER CT CHURCHTON, MD 20733 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $387 | $387 | 0.79% |
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 | 166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 266 | $2.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 266 | $2.7M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 266 | $2.7M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 203 | $100K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 178 | $105K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $59K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 203 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.
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.