| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE STE 500 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $63K | $26K | $89K | 7.40% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2, STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 0.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE STE 500 BETHESDA, MD 20817 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $28K | $12K | $39K | 7.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE STE 500 BETHESDA, MD 20817 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $24K | $11K | $35K | 7.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE STE 500 BETHESDA, MD 20817 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $20K | $8K | $28K | 7.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP | 6500 ROCK SPRING DRIVE STE 500 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $22K | — | $22K | 8.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP BENEFITS | 6500 ROCK SPRING DR SUITE 410 BETHESDA, MD 20817 | VISION SERVICES PLAN | $3K | — | $3K | 2.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE STE 500 BETHESDA, MD 20817 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $3K | $3K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE STE 500 BETHESDA, MD 20817 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $3K | $3K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY AND CASUALTY SERVICES | 3915 NATIONAL DRIVE SUITE 400 BURTONSVILLE MD, MD 20866 | ACE AMERICAN INSURANCE COMPANY | $2K | — | $2K | 14.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MELTZER GROUP INC EIN 22-3811325 NONE | Other commissions Service code 55 | — | $0 |
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 | 1,661 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,679 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 12 | $276K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,330 | $1.5M |
| Vision | VISION SERVICES PLAN | 1,146 | $142K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,661 | $549K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,661 | $482K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,660 | $392K |
| Other(5 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,661 | $874K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,661 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.