| 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 | $21K | $151K | $173K | 2.80% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC MIAMI | 1001 BRICKELL BAY DRIVE 10TH FLOOR MIAMI, FL 33131 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | -$57 | -$57 | -0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $54K | $19K | $73K | 12.91% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC MIAMI | PO BOX 905494 CHARLOTTE, NC 28290 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $545 | $3K | 0.48% |
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 | 1,471 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,476 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,241 | $6.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,241 | $6.2M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,241 | $6.2M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,542 | $562K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,542 | $562K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,542 | $562K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,542 | $562K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,542 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.