| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HM BENEFITS LLC3 | 935 GRAVIER ST STE 1649 NEW ORLEANS, LA 70112 | BLUE CROSS BLUE SHIELD OF LOUISIANA | $35K | $6K | $41K | 0.41% |
| HM BENEFITS LLC3 | 935 GRAVIER ST STE 1640 NEW ORLEANS, LA 70112 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $0 | $9K | 11.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20807 | RELAINCESTANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.94% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY S BUILDING 2 STE 600 AUSTIN, TX 78746 | RELAINCESTANDARD LIFE INSURANCE COMPANY | $0 | $166 | $166 | 0.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20807 | RELAINCESTANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20807 | RELAINCESTANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20807 | RELAINCESTANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY S BUILDING 2 STE 600 AUSTIN, TX 78746 | RELAINCESTANDARD LIFE INSURANCE COMPANY | $356 | $0 | $356 | 1.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | RELAINCESTANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II BUILDING 2 STE 600 AUSTIN, TX 78746 | RELAINCESTANDARD LIFE INSURANCE COMPANY | $0 | $244 | $244 | 1.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20807 | RELAINCESTANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20807 | RELAINCESTANDARD LIFE INSURANCE COMPANY | $186 | $0 | $186 | 14.99% |
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 | 198 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF LOUISIANA | 124 | $10.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 420 | $78K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 420 | $78K |
| Life insurance | RELAINCESTANDARD LIFE INSURANCE COMPANY | 198 | $19K |
| Short-term disability | RELAINCESTANDARD LIFE INSURANCE COMPANY | 73 | $26K |
| Long-term disability | RELAINCESTANDARD LIFE INSURANCE COMPANY | 198 | $36K |
| Other(5 contracts) | RELAINCESTANDARD LIFE INSURANCE COMPANY | 198 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 420 | — |
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.
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.