| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | PO BOX 203014 DALLAS, TX 75320 | UNITED CONCORDIA DENTAL PLANS, INC. | $11K | $0 | $11K | 5.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | UNITED CONCORDIA DENTAL PLANS, INC. | $6K | $0 | $6K | 3.27% |
| USI INSURANCE SERVICES LLC3 | 1753 PINNACLE DRIVE MCLEAN, VA 22102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 5.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $869 | $503 | $1K | 1.47% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1753 PINNACLE DRIVE SUITE 800 MCLEAN, VA 22102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $513 | $513 | 0.55% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | PO BOX 203014 DALLAS, TX 75320 | UNITED CONCORDIA DENTAL PLANS, INC. | $2K | $0 | $2K | 4.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | UNITED CONCORDIA DENTAL PLANS, INC. | $974 | $0 | $974 | 2.65% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES INC | 100 SUMMIT LAKE DRIVE SUITE 400 VALHALLA, NY 10595 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $911 | $0 | $911 | 2.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR SUITE 500 BETHESDA, MD 20817 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $635 | $0 | $635 | 2.05% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | PO BOX 203014 DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 10.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $431 | $0 | $431 | 4.02% |
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 | 693 | 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) | 693 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | UNITED CONCORDIA DENTAL PLANS, INC. | 565 | $219K |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 535 | $31K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 693 | $93K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 693 | $104K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,122 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,122 | — |
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.