| 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 | $4K | $4K | 1.34% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TN 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 1.10% |
| FINANCIAL BENEFIT SERVICES INS LLC3 | 10 POST OFFICE RD STE 233 SILVER SPRING, MD 20910 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 3.12% |
| FINANCIAL BENEFIT SERVICES INS LLC3 | 10 POST OFFICE RD STE 233 SILVER SPRING, MD 20910 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KELLY AND ASSOCIATES EIN 52-1066374 ADMINISTRATOR | Contract Administrator Service code 13 | — | $82K |
| CAREFIRST ADMINISTRATORS, LLC EIN 52-1187907 ADMINISTRATOR | Contract Administrator Service code 13 | — | $56K |
| PNC BANK EIN 25-1435979 TRUSTEE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $19K |
| METROPLOITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Contract Administrator Service code 13 | — | $8K |
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 | 222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 93 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 315 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 13 | $177K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 557 | $271K |
| Prescription drug | HARTFORD LIFE AND ACCIDENT | 10 | $128K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 147 | $322K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 557 | — |
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."
No prospect flags tripped on this filing.