| 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 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $30K | $30K | 1.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $17K | $17K | 1.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC. | 6500 ROCK SPRING DRIVE, SUITE 500 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $5K | $14K | 14.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 6.18% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC. | 6500 ROCK SPRING DRIVE, SUITE 500 BETHESDA, MD 20817 | AFLAC | $397 | $0 | $397 | 4.12% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFITS GROUP, LLC | 203 MARKET STREET, SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $289 | $0 | $289 | 3.00% |
| MATTHEW D DIPASQUALE3 Filed as: MATTHEW D. DIPASQUALE | 1202 JOMAT DRIVE JOPPA, MD 21085 | AFLAC | $64 | $0 | $64 | 0.66% |
| MICHAEL C WALKER3 Filed as: MICHAEL C. WALKER | 258 LEWIS STREET HAVRE DE GRACE, MD 21078 | AFLAC | $49 | $0 | $49 | 0.51% |
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 | 157 | 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) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 321 | $1.7M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 321 | $1.7M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 321 | $1.7M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $102K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $102K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $102K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 321 | $1.7M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 321 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.