| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP | 6500 ROCK SPRING DR BETHESDA, MD 20817 | UNITEDHEALTHCARE INSURANCE COMPANY | $40K | — | $40K | 3.74% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP MID-ATLANTIC | 4740 CORRIDOR PL BELTSVILLE, MD 20705 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 1.04% |
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS | 200 GALLERIA PKWY ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 0.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP | 6500 ROCK SPRING DR BETHESDA, MD 20817 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 13.89% |
| INSURANCE MARKETPLACE LLC3 | 4401 FAIR LAKES CT FAIRFAX, VA 22033 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.40% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP | 6500 ROCK SPRING DR BETHESDA, MD 20817 | VISION SERVICE PLAN | $876 | — | $876 | 7.59% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY ATLANTA, GA 30339 | VISION SERVICE PLAN | $275 | — | $275 | 2.38% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR | 7979 OLD GEORGETOWN RD BETHESDA, MD 20814 | VISION SERVICE PLAN | $49 | — | $49 | 0.42% |
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 | 154 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 111 | $1.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 111 | $1.1M |
| Vision | VISION SERVICE PLAN | 105 | $12K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 154 | $108K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 154 | $108K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 154 | $108K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 154 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.