| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COPPER DUNN LLC3 | 10 POST OFFICE ROAD SUITE 222 SILVER SPRING, MD 20910 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $26K | $26K | 1.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $23K | $23K | 1.39% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC INSURANCE GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITEDHEALTHCARE INSURANCE COMPANY | $20K | $0 | $20K | 1.19% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC INSURANCE GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED CONCORDIA INSURANCE COMPANY | $11K | $5K | $16K | 14.98% |
| PATRICK M DUNN3 Filed as: PATRICK DUNN | 10 POST OFFICE ROAD SUITE 222 SILVER SPRING, MD 20910 | RELIANCE STANDARD | $6K | $0 | $6K | 8.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD | $5K | $0 | $5K | 6.52% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD | $0 | $4K | $4K | 6.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | RELIANCE STANDARD | $4K | $0 | $4K | 5.00% |
| PATRICK M DUNN3 Filed as: PATRICK DUNN | 10 POST OFFICE ROAD SUITE 222 SILVER SPRING, MD 20910 | RELIANCE STANDARD | $4K | $0 | $4K | 8.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD | $3K | $0 | $3K | 6.51% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD | $0 | $3K | $3K | 6.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | RELIANCE STANDARD | $2K | $0 | $2K | 5.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC INSURANCE GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD | $0 | $2K | $2K | 6.00% |
| PATRICK M DUNN3 Filed as: PATRICK DUNN | 10 POST OFFICE ROAD SUITE 222 SILVER SPRING, MD 20910 | RELIANCE STANDARD | $2K | $0 | $2K | 5.70% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | RELIANCE STANDARD | $2K | $0 | $2K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | RELIANCE STANDARD | $2K | $0 | $2K | 4.30% |
| COPPER DUNN LLC3 | 10 POST OFFICE ROAD SUITE 222 SILVER SPRING, MD 20910 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 11.62% |
| PATRICK M DUNN3 | 10 POST OFFICE RD SUITE 233 CAPITOL VIEW, MD 20902 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 8.38% |
| PATRICK M DUNN3 Filed as: PATRICK DUNN | 10 POST OFFICE ROAD SUITE 222 SILVER SPRING, MD 20910 | RELIANCE STANDARD | $2K | $0 | $2K | 11.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | RELIANCE STANDARD | $1K | $0 | $1K | 8.72% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC INSURANCE GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD | $0 | $1K | $1K | 6.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | RELIANCE STANDARD | $855 | $0 | $855 | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP MELTZER GROUP BENEFITS | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | EYEMED VISION CARE | $427 | $0 | $427 | 5.41% |
| COPPER DUNN LLC3 Filed as: COPPER DUN LLC | 10 POST OFFICE ROAD SUITE 231 SILVER SPRING, MD 20910 | EYEMED VISION CARE | $316 | $0 | $316 | 4.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC INSURANCE GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | EYEMED VISION CARE | $0 | $278 | $278 | 3.52% |
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 | 189 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 231 | $1.6M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 251 | $108K |
| Vision | EYEMED VISION CARE | 251 | $8K |
| Life insurance | RELIANCE STANDARD | 182 | $36K |
| Short-term disability | RELIANCE STANDARD | 182 | $49K |
| Long-term disability | RELIANCE STANDARD | 182 | $73K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD | 189 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.