| 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 | CAREFIRST BLUECHOICE, INC. | $0 | $58K | $58K | 4.90% |
| POTOMAC BASSIN GROUP ASSOC LLC5 Filed as: POTOMAC BASSIN GROUP ASSOC. | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | CAREFIRST BLUECHOICE, INC. | $0 | $6K | $6K | 0.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $8K | $17K | 9.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MA 20917 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $0 | $9K | 25.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG 2 STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $512 | $512 | 1.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $0 | $7K | 25.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $364 | $364 | 1.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $0 | $6K | 25.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY S BLDG 2 STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $362 | $362 | 1.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 24.58% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY S AUSTIN AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $250 | $250 | 1.35% |
| PROFESSIONAL BENEFITS SOLUTIONS INC3 | 8945 GUILFORD RD STE 145 COLUMBIA, MD 21046 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $28 | $0 | $28 | 0.15% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $18 | $0 | $18 | 0.10% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMINISTRATIVE SERV | 15800 CRABBS BRANCH WAY SUITE 350 ROCKVILLE, MD 20855 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5 | $7 | $12 | 0.06% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS, INC. | 2O SOUTH KING STREET LEESBURG, VA 20177 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11 | $0 | $11 | 0.06% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP MELTZER GROUP BENEFITS | 6500 ROCK SPRING DR SUITE 500 BETHESDA, MD 20817 | EYEMED VISION CARE | $2K | $0 | $2K | 9.95% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 149 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $177K |
| Vision | EYEMED VISION CARE | 329 | $18K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 110 | $19K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 109 | $36K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 110 | $23K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 149 | $1.2M |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 110 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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.