| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FINANCIAL BENEFIT SERVICES INS LLC3 | 10 POST OFFICE RD SUITE 233 SILVER SPRING, MD 20910 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | $0 | $21K | 2.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | UNITEDHEALTHCARE INSURANCE COMPANY | $20K | $0 | $20K | 1.98% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC INSURANCE GROUP | 1 KELLY WAY SPARKS, MD 21152 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | $1K | $16K | 1.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $10K | 11.52% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC INSURANCE GROUP | 1 KELLY WAY SPARKS, MD 21152 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | 5.61% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC INSURANCE GROUP | 1 KELLY WAY SPARKS, MD 21152 | UNITED CONCORDIA INSURANCE COMPANY | $5K | $2K | $7K | 9.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | UNITED CONCORDIA INSURANCE COMPANY | $2K | $0 | $2K | 3.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $319 | $3K | 19.57% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC INSURANCE GROUP | 1 KELLY WAY SPARKS, MD 21152 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $798 | $798 | 5.76% |
| DUNN, PATRICK M3 Filed as: DUNN PATRICK M | 10 POST OFFICE RD SUITE 233 CAPITOL VIEW, MD 20902 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 18.83% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP MELTZER GROUP BENEFITS | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | EYE MED | $295 | $0 | $295 | 4.41% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC INSURANCE GROUP | 1 KELLY WAY SPARKS, MD 21152 | EYE MED | $280 | $0 | $280 | 4.19% |
| FINANCIAL BENEFIT SERVICES INS LLC3 | 10 POST OFFICE RD SUITE 233 SILVER SPRING, MD 20910 | EYE MED | $225 | $0 | $225 | 3.36% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP FINANCIAL BENEFIT SERVICES | 10 POST OFFICE ROAD SILVER SPRING, MD 20910 | EYE MED | $134 | $0 | $134 | 2.00% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 87 | $988K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 233 | $75K |
| Vision | EYE MED | 185 | $7K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 130 | $90K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 130 | $90K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 130 | $90K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 130 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.