| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR STE 401 BETHESDA, MD 20817 | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC | $57K | $16K | $73K | 6.58% |
| EMPLOYEE BENEFITS CORP OF AMERICA3 | 1 PARK WEST CIRCLE STE 306-L MIDLOTHIAN, VA 23114 | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC | $33K | $0 | $33K | 2.92% |
| BENEFIT DESIGN GROUP INC5 | 600 WASHINGTON AVE STE 104 TOWSON, MD 21204 | METROPOLITAN LIFE INSURANCE COMPANY | $477 | $15K | $16K | 8.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 2.57% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $12 | $2K | 0.92% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVCS | 354 EISENHOWER PKWY STE 2850 LIVINGSTON, NJ 07039 | OXFORD HEALTH INSURANCE, INC. | $2K | $403 | $2K | 6.48% |
| TMG INSURANCE SERVICES INC3 | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.49% |
| BENEFIT DESIGN GROUP INC3 Filed as: BENEFIT DESIGN GROUP INC. | 600 WASHINGTON AVENUE STE 104 TOWSON, MD 21204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.84% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG 2 STE 500 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $150 | $150 | 0.60% |
| TMG INSURANCE SERVICES INC3 | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 18.75% |
| BENEFIT DESIGN GROUP INC3 Filed as: BENEFIT DESIGN GROUP, INC. | 600 WASHINGTON AVENUE STE 104 TOWSON, MD 21204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $534 | $534 | 4.69% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG 2 STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $85 | $85 | 0.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRR STE 500 BETHESDA, MD 20817 | FIDELITY SECURITY LIFE INSURANCE | $770 | $0 | $770 | 7.00% |
| TMG INSURANCE SERVICES INC3 | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 14.87% |
| BENEFIT DESIGN GROUP INC3 Filed as: BENEFIT DESIGN GROUP, INC. | 600 WASHINGTON AVE STE 104 TOWSON, MD 21204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $395 | $395 | 4.64% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TX HWY S BLDG 2 STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $47 | $47 | 0.55% |
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 | 277 | 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) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC | 293 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 294 | $191K |
| Vision | FIDELITY SECURITY LIFE INSURANCE | 197 | $11K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 94 | $9K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 93 | $25K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 25 | $11K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 94 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 294 | — |
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.