| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC. | 6500 ROCK SPRING DRIVE - STE 500 BETHSEDA, MD 20817 | UNITED HEALTHCARE INSURANCE COMPANY | $30K | $2K | $31K | 2.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 NONE | Non-monetary compensation; Claims processing; Other services; Contract Administrator; Direct payment from the plan; Participant communication Service code 12 | — | $200K |
| ASSOCIATED ADMINISTRATORS EIN 65-1205077 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Direct payment from the plan Service code 13 | — | $119K |
| DICKSTEIN SHAPIRO LLP EIN 53-0246695 NONE | Legal Service code 29 | — | $88K |
| THE SEGAL GROUP EIN 13-1835864 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $40K |
| INVESTMENT PERFORMANCE SERVICE EIN 58-2432390 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $23K |
| MORGAN, LEWIS, & BROCKIUS, LLP EIN 23-0891050 NONE | Legal; Direct payment from the plan Service code 29 | — | $17K |
| WEDGE CAPITAL MANAGEMENT EIN 56-1557450 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $14K |
| NOVAK FRANCELLA, LLC EIN 61-1436956 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $14K |
| DENTAL HEALTH CENTER & ASSOC., LLC EIN 52-2075670 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $13K |
| CHEIRON, INC. EIN 13-4215617 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $13K |
| CHARTWELL INVESTMENT PARTNERS EIN 36-4776242 NONE | Direct payment from the plan; Investment management Service code 28 | — | $11K |
| AMERICAN REALTY ADVISORS EIN 33-0123114 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $10K |
| PNC EIN 22-1146430 NONE | Custodial (securities); Direct payment from the plan Service code 19 | — | $6K |
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 | 419 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 426 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 845 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 182 | $1.5M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 896 | $35K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 406 | $41K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 406 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 896 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.