| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP, INC. | 6500 ROCK SPRING DRIVE, SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6K | $6K | 2.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE, SUITE 500 BETHESDA, MD 20817 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 5.06% |
| ROBERT A ANDERSON3 Filed as: ROBERT A. ANDERSON | 13710 GENERAL GEARY COURT FREDERICKSBURG, VA 22407 | CONTINENTAL AMERICAN INSURANCE COMPANY | $282 | — | $282 | 0.54% |
| KATHRYN ANDERSON3 | 3516 PLANK ROAD, SUITE 102 FREDERICKSBURG, VA 22407 | CONTINENTAL AMERICAN INSURANCE COMPANY | $237 | — | $237 | 0.45% |
| GARY W GREENE3 Filed as: GARY W. GREENE | 1609 WEST ARLINGTON BOULEVARD GREENVILLE, NC 27834 | CONTINENTAL AMERICAN INSURANCE COMPANY | $134 | — | $134 | 0.26% |
| MJ INSURANCE3 Filed as: DAVID N. MORGAN AND VARIOUS AGENTS | 11520 NUCKOLS ROAD, SUITE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $86 | — | $86 | 0.16% |
| CASSITY F. FISHER3 | 18 CHAPS LANE FALMOUTH, VA 22405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $85 | — | $85 | 0.16% |
| DEONA GRAVATT3 Filed as: DEONA L. GRAVATT | 14516 HORSESHOE BRIDGE DOSWELL, VA 23047 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65 | — | $65 | 0.12% |
| MARY THERESA FISHER4 | 29C OWENS LANDING COURT PERRYVILLE, MD 21903 | PREPAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | — | $2K | 18.33% |
| GALLAGHER BENEFIT SERVICES, INC.4 Filed as: WELLS FARGO INSURANCE | 1753 PINNACLE DRIVE MCLEAN, VA 22102 | PREPAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | — | $1K | 13.00% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE, SUITE 500 BETHESDA, MD 20817 | PREPAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $455 | — | $455 | 4.04% |
| PATRICIA A HUNT4 Filed as: PATRICIA A. HUNT | 528 LONGHORN CRESCENT ROCKVILLE, MD 20850 | PREPAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $207 | — | $207 | 1.84% |
| AMBERLY PARK ASSOCIATION INC.4 Filed as: AMBERLY PARK ASSOCIATES, INC. | 3605 SANDY PLAINS ROAD SIUTE 240 244 MARIETTA, GA 30066 | PREPAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $13 | — | $13 | 0.12% |
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 | 449 | 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) | 449 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 522 | $3.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 522 | $3.8M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 522 | $3.8M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 449 | $220K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 449 | $220K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 449 | $220K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 522 | $3.8M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 449 | $283K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 522 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.