| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 208171149 | UNITEDHEALTHCARE INSURANCE COMPANY | $33K | $2K | $35K | 3.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, ME 208171149 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $3K | $10K | 10.17% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING 2 SUITE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $683 | — | $683 | 0.70% |
| TMG INSURANCE SERVICES INC3 | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, ME 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 16.65% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $296 | $296 | 1.21% |
| TMG INSURANCE SERVICES INC3 | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 16.64% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $263 | $263 | 1.23% |
| TMG INSURANCE SERVICES INC3 | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, ME 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 16.67% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $165 | $165 | 1.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP BENEFITS | 6500 ROCK SPRING DRIVE SUITE 410 BETHESDA, MD 208171199 | VISION SERVICE PLAN | $487 | — | $487 | 4.61% |
| TMG INSURANCE SERVICES INC3 | 6500 ROCK SPRING DRIVE SUITE 500 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $53 | — | $53 | 16.51% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $4 | $4 | 1.25% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 244 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 317 | $98K |
| Vision | VISION SERVICE PLAN | 87 | $11K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 119 | $15K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 119 | $21K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 119 | $24K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 119 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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."
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.