| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 401 BETHESDA, MD 20817 | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC | $75K | $5K | $80K | 5.50% |
| EBCA3 Filed as: EBCA GENERAL AGENCY -BDG | 1430 SPRING HILL RD SUITE 230 MCLEAN, VA 22102 | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC | $23K | $0 | $23K | 1.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 410 BETHESDA, MD 20807 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $0 | $26K | 10.54% |
| BENEFIT DESIGN GROUP INC5 | MILL RUN CIRCLE STE 570 OWINGS MILLS, MD 21117 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $10K | $10K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE STE 500 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $4K | $12K | 15.36% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVCS | 354 EISENHOWER PKWY STE 2850 LIVINGSTON, NJ 07039 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $624 | $3K | 6.61% |
| EMPLOYEE BENEFITS CORP OF AMERICA3 | 1430 SPRING HILL ROAD MCLEAN, VA 22102 | HEALTHKEEPERS, INC. | $1K | $230 | $2K | 3.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | FIDELITY SECURITY LIFE INSURANCE | $1K | $0 | $1K | 6.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20807 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $750 | $341 | $1K | 14.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP, | 6500 ROCK SPRING DRIVE STE 500 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $870 | $290 | $1K | 18.25% |
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 | 170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC | 304 | $1.6M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 503 | $293K |
| Vision(2 contracts, 2 carriers) | HEALTHKEEPERS, INC. | 224 | $60K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 170 | $77K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 170 | $77K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 170 | $77K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 170 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 503 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.