| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC. | 6500 ROCK SPRING DRIVE, SUITE 500 BETHESDA, MD 20817 | CAREFIRST BLUECHOICE, INC. | $627 | $55K | $56K | 6.01% |
| USI INSURANCE SERVICES LLC3 | 11350 MCCORMICK ROAD EXECUTIVE PLAZA III, SUITE 1203 HUNT VALLEY, MD 21031 | CAREFIRST BLUECHOICE, INC. | $3K | $15K | $18K | 1.88% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $17K | $0 | $17K | 11.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC. | UNKNOWN PHILADELPHIA, PA 19178 | HARTFORD LIFE AND ACCIDENT | $6K | $0 | $6K | 3.97% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | UNKNOWN AUSTIN, TX 78746 | HARTFORD LIFE AND ACCIDENT | $0 | $1K | $1K | 0.86% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $2K | $0 | $2K | 6.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC. | 6500 ROCK SPRING DRIVE, SUITE 410 BETHESDA, MD 20817 | VISION SERVICE PLAN | $359 | $0 | $359 | 1.33% |
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 | 316 | 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) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 171 | $932K |
| Dental | CAREFIRST BLUECHOICE, INC. | 171 | $932K |
| Vision | VISION SERVICE PLAN | 132 | $27K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 316 | $154K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 316 | $154K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 316 | $154K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 171 | $932K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 437 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 437 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.