| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | -$4K | $84K | $80K | 7.60% |
| BROWN AND BROWN OF FLORIDA, INC.2 Filed as: BROWN & BROWN INS AGENCY OF VA INC | 11220 ASSETT LOOP STE 304 MANASSA, VA 201093999 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 0.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | UNITED CONCORDIA INSURANCE COMPANY | $6K | $2K | $8K | 6.39% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | UNITED CONCORDIA INSURANCE COMPANY | $544 | $0 | $544 | 0.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $3K | $12K | 13.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $3K | $11K | 13.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $679K | $2K | $681K | 1003.51% |
| MARSH & MCLENNAN AGENCY LLC5 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE BETHESDA, MD 20817 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 8.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF VIRGINIA, INC. | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $144 | $0 | $144 | 1.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 STE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $468 | $2K | 13.71% |
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 | 251 | 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) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 161 | $1.1M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 167 | $125K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 291 | $14K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 251 | $90K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 251 | $81K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 251 | $68K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 251 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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.