| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $51K | $5K | $56K | 8.16% |
| CHARLES D. BLOCK3 | 648 VILLAGE PARK DR. UNIT 208 WILMINGTON, NC 28405 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $47K | $3K | $49K | 7.20% |
| SANDRA D OZMENT3 | 1608 OAK ST. GREENSBORO, NC 27403 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 0.76% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $1K | $1K | 0.17% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - BALTIMORE | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $491 | $0 | $491 | 0.07% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH ST. HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $3 | $8 | 0.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L. WARNER COMPANY, INC. | 9690 DEERECO RD. STE 650 TIMONIUM, MD 21093 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| METLZER GROUP INC3 Filed as: METLZER GROUP | 6500 ROCK SPRING DRIVE STE 500 BETHESDA, MD 20817 | AETNA LIFE INSURANCE CO. | $0 | $15K | $15K | 2.30% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY BLDG 2 W LAKE HILLS, TX 78746 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC. | 6500 ROCK SPRING DRIVE STE 500 BETHESDA, MD 20817 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $0 | $285 | $285 | 0.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC. | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 7.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $2K | $15K | 29.93% |
| CHARLES D. BLOCK3 | 648 VILLAGE PARK DR UNIT 208 WILMINGTON, NC 28405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $13K | 26.33% |
| SANDRA D OZMENT3 Filed as: SANDRA D. OZMENT | 1608 OAK STREET GREENSBORO, NC 27403 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 2.56% |
| 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 | $135 | $2K | 10.87% |
| CHARLES D. BLOCK3 | 648 VILLAGE PARK DR UNIT 208 WILMINGTON, NC 28405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $97 | $2K | 10.63% |
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 | 1,603 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 65 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,680 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 681 | $270K |
| Dental | AETNA LIFE INSURANCE CO. | 2,094 | $664K |
| Life insurance(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 1,905 | $1.0M |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 1,905 | $686K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,312 | $357K |
| Other(3 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 1,905 | $753K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,094 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.