| 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 208171149 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $37K | $37K | 3.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC | 6500 ROCK SPRING DRIVE STE 500 BETHESDA, MD 208171149 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 3.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP | 6500 ROCK SPRING DRIVE BETHESDA, MD 20817 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $10K | $0 | $10K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE STE 410 BETHESDA, MD 208171199 | MTEROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 11.05% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE368 WALL, NJ 077192502 | MTEROPOLITAN LIFE INSURANCE COMPANY | $2K | $669 | $3K | 6.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR STE 410 BETHESDA, MD 208171199 | VISION SERVICE PLAN | $2K | $0 | $2K | 10.00% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $79 | $0 | $79 | 0.42% |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 197 | $1.2M |
| Dental | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 264 | $96K |
| Vision | VISION SERVICE PLAN | 147 | $19K |
| Life insurance | MTEROPOLITAN LIFE INSURANCE COMPANY | 248 | $41K |
| Short-term disability | MTEROPOLITAN LIFE INSURANCE COMPANY | 248 | $41K |
| Long-term disability | MTEROPOLITAN LIFE INSURANCE COMPANY | 248 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.