| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 208171149 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $931 | $931 | 0.35% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $324 | — | $324 | 0.12% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INSURANCE GROUP INC | 1 KELLY WAY SPARKS, MD 211529484 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $19 | $19 | 0.01% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INSURANCE GROUP, INC | 1201 N ORAGEN ST STE 1100 WILMINGTON, DE 19801 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $19 | $19 | 0.01% |
| FINANCIAL BENEFIT SERVICES INS LLC3 | 10 POST OFFICE RD STE 233 SILVER SPRING, MD 20910 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 5.00% |
| FINANCIAL BENEFIT SERVICES INS LLC3 | 10 POST OFFICE RD STE 233 SILVER SPRING, MD 20910 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KELLY AND ASSOCIATES EIN 52-1066374 ADMINISTRATOR | Contract Administrator Service code 13 | — | $62K |
| CAREFIRST ADMINISTRATORS, LLC EIN 52-1187907 ADMINISTRATOR | Contract Administrator Service code 13 | — | $46K |
| PNC BANK EIN 25-1435979 TRUSTEE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $20K |
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 | 205 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 105 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HARTFORD LIFE AND ACCIDENT | 16 | $138K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 595 | $267K |
| Prescription drug | HARTFORD LIFE AND ACCIDENT | 13 | $88K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 155 | $278K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 595 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.