| 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 | GROUP HOSPITALIZATION MEDICAL SERVICES INC | $93K | $30K | $123K | 2.64% |
| POTOMAC BASIN GROUP ASSOCIATES LLC5 Filed as: POTOMAC BASIN GROUP ASSOCIATES | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | GROUP HOSPITALIZATION MEDICAL SERVICES INC | $0 | $19K | $19K | 0.41% |
| BB&T INSURANCE SERVICES, INC.3 | 5850 WATERLOO RD STE 240 COLUMBIA, MD 21045 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $5K | $22K | 3.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 208171149 | UNION SECURITY INSURANCE COMPANY | $5K | $7K | $13K | 5.20% |
| BB&T INSURANCE SERVICES, INC.3 | 5850 WATERLOO RD STE 240 COLUMBIA, MD 21045 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $1K | $23K | 17.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP BENEFITS | 6500 ROCK SPRING DRIVE SUITE 410 BETHESDA, MD 208171199 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.91% |
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 | 449 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 463 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GROUP HOSPITALIZATION MEDICAL SERVICES INC | 795 | $4.6M |
| Dental | UNION SECURITY INSURANCE COMPANY | 367 | $242K |
| Vision | VISION SERVICE PLAN | 369 | $44K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 436 | $847K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 436 | $713K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 436 | $713K |
| Prescription drug | GROUP HOSPITALIZATION MEDICAL SERVICES INC | 795 | $4.6M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 436 | $847K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 795 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.