| 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 STATES, INC. | $77K | $0 | $77K | 4.50% |
| EMPLOYEE BENEFITS CORP OF AMERICA3 | 1430 SPRING HILL ROAD SUITE 320 MCLEAN, VA 22102 | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC STATES, INC. | $39K | $0 | $39K | 2.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR. STE 410 BESTHESDA, MD 208176446 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $4K | $10K | 4.84% |
| BENEFIT DESIGN GROUP INC5 | 10451 MILL RUN CIR SUITE 570 OWINGS MILLS, MD 211175577 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $8K | $8K | 4.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $3K | $13K | 14.73% |
| EMPLOYEE BENEFITS CORP OF AMERICA3 | 1410 SPRING HILL ROAD SUITE 150 MCLEAN, VA 22102 | HEALTHKEEPERS, INC. | $805 | $167 | $972 | 2.60% |
| BROKER NOT PROVIDED3 | — | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.76% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVCS | 354 EISENHOWER PKWY STE 2850 LIVINGSTON, NJ 07039 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $338 | $2K | 16.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MA 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $319 | $1K | 14.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $223 | $1K | 18.16% |
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 | 175 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 181 | 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 STATES, INC. | 326 | $1.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 547 | $197K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 259 | $18K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 175 | $98K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 175 | $88K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 175 | $95K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 175 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 547 | — |
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.