| 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 20817 | UNITEDHEALTHCARE INSURANCE COMPANY | -$2K | $95K | $93K | 3.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 410 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $42K | $966 | $43K | 35.83% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BUILDING 2 SUITE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $936 | $0 | $936 | 0.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | $0 | $14K | 15.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $0 | $6K | 15.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $448 | $448 | 1.08% |
| GROUP VISION SERVICES MGMT INC3 Filed as: GROUP VISION SERVICE INC | 6700 ALEXANDER BELL DR #200 COLUMBIA, MD 21046 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $0 | $2K | $2K | 8.80% |
| FOREST T. JONES & COMPANY3 | 3130 BROADWAY KANSAS CITY, MO 64141 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.84% |
| FIRST AMERICAN ADMINISTRATORS3 | 4000 LUXOTTICA PLACE MASON, OH 45040 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.35% |
| EPIC3 Filed as: EPIC HEARING SERVICES | 3191 W REMPLE AVE SUITE 200 POMONA, CA 91768 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $0 | $91 | $91 | 0.35% |
| RESOLUTION REINSURANCE3 Filed as: RESOLUTION REINSURANCE INTERMEDIAIE | 4408 FOREST DRIVE SUITE 202 COLUMBIA, MD 29206 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $0 | $17 | $17 | 0.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $212 | $212 | 0.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 14.97% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $242 | $242 | 1.16% |
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 | 288 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 465 | $3.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 672 | $119K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 422 | $26K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 241 | $43K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 237 | $97K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 237 | $42K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 241 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 672 | — |
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.