| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 200 S ORANGE AVE 4TH FL ORLANDO, FL 32801 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 2.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 0.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 200 S ORANGE AVE 4TH FL ORLANDO, FL 32801 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 2.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 0.72% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 200 S ORANGE AVE 4TH FL ORLANDO, FL 32801 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 2.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $817 | $0 | $817 | 0.72% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGCY OF VIRGINIA | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $953 | $0 | $953 | 1.43% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 200 S ORANGE AVE 4TH FL ORLANDO, FL 32801 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 2.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $296 | $0 | $296 | 0.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 200 S ORANGE AVE 4TH FL ORLANDO, FL 32801 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $290 | $0 | $290 | 2.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $109 | $0 | $109 | 0.96% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 200 S ORANGE AVE 4TH FL ORLANDO, FL 32801 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $209 | $0 | $209 | 2.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $83 | $0 | $83 | 0.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 200 S ORANGE AVE 4TH FL ORLANDO, FL 32801 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $144 | $0 | $144 | 2.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $69 | $0 | $69 | 1.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST ADMIN | Claims processing Service code 12 | 1501 SOUTH CLINTON STREET BALTIMORE, MD 21224 | $209K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $70K |
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 ADMIN | Claims processing Service code 12 | — | $31K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $24K |
| BROWN & BROWN INSURANCE OF VA BROKER | Insurance agents and brokers Service code 22 | 11220 ASSETT LOOP, SUITE 304 MANASSAS, VA 20109 | $2K |
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 | 688 | 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) | 690 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 857 | $67K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $220K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $168K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $114K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 477 | $844K |
| Other(5 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $287K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 857 | — |
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."
No prospect flags tripped on this filing.