| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: GOLDEN & COHEN LLC | 6903 ROCKLEDGE DRIVE SUITE 1400 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $578 | $58K | $59K | 2.04% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES INC | 215 WASHINGTON AVENUE SUITE 400 TOWSON, MD 21204 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $274 | $28K | $28K | 0.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 0.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC.,C/O THE MELTZER | POST OFFICE BOX 783088 PHILADELPHIA, PA 19178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | $611 | $9K | 4.98% |
| CAPITAL SERVICE CORPORATION3 Filed as: CAPITAL SERVICE INC | 215 WASHINGTON AVENUE SUITE 400 TOWSON, MD 21204 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 2.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES(SE) IN | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $5K | $14K | 9.00% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES CORPORATION | 29 WEST SUSQUEHANNA AVENUE TOWSON, MD 21204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $336 | $2K | 1.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES(SE) IN | 1901 ROXBOROUGH ROAD CHARLOTTE, NC 28211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $8K | 15.67% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES CORPORATION | 29 WEST SUSQUEHANNA AVENUE TOWSON, MD 21204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $101 | $2K | 4.12% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES(SE) IN | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | UNUM INSURANCE COMPANY | $4K | $521 | $4K | 14.25% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES CORPORATION | 29 WEST SUSQUEHANNA AVENUE SUITE 400 TOWSON, MD 21204 | UNUM INSURANCE COMPANY | $182 | $9 | $191 | 0.61% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES(SE) IN | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | UNUM INSURANCE COMPANY | $3K | $696 | $4K | 18.38% |
| MWE SOLUTIONS MS3 | 8370 VETERANS HIGHWAY SUITE 101 MILLERSVILLE, MD 21108 | UNUM INSURANCE COMPANY | $122 | — | $122 | 0.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES(SE) IN | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | UNUM INSURANCE COMPANY | $3K | $614 | $4K | 18.08% |
| MWE SOLUTIONS MS3 | 8370 VETERANS HIGHWAY SUITE 101 MILLERSVILLE, MD 21108 | UNUM INSURANCE COMPANY | $136 | — | $136 | 0.69% |
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 | 420 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 422 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 298 | $2.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 239 | $189K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 298 | $2.9M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 423 | $206K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 423 | $155K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 423 | $155K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 423 | $278K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 423 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.