| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC. | C/0 THE MELTZER GROUP NFP PO BOX 783088 PHILADELPHIA, PA 19178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $163K | $163K | 2.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | DELTA DENTAL OF TENNESSEE | $34K | $0 | $34K | 10.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC. | 6500 ROCK SPRINGS DR STE 500 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $4K | $15K | 13.07% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC. | 6500 ROCK SPRINGS DR STE 500 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANYAMERICA | $9K | $3K | $12K | 13.17% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANYAMERICA | $0 | $1K | $1K | 1.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC. | 6500 ROCK SPRINGS DR STE 500 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $3K | $11K | 13.07% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC. | 6500 ROCK SPRINGS DR STE 500 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 13.06% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $856 | $856 | 1.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR STE 410 BETHESDA, MD 20817 | VISION SERVICE PLAN | $66K | $0 | $66K | 100.47% |
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 | 354 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 22 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 386 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 448 | $5.6M |
| Dental | DELTA DENTAL OF TENNESSEE | 618 | $334K |
| Vision | VISION SERVICE PLAN | 310 | $66K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANYAMERICA | 345 | $174K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 354 | $67K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 325 | $118K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANYAMERICA | 345 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 618 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.