| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | CAREFIRST BLUECHOICE, INC. | $0 | $188K | $188K | 4.08% |
| POTOMAC BASIN GROUP ASSOCIATES LLC5 | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | CAREFIRST BLUECHOICE, INC. | $0 | $9K | $9K | 0.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 410 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $53K | $3K | $55K | 16.23% |
| GIS BENEFITS INC3 | 2520 NORTHWINDS PKWY SUITE 600 ALPHARETTA, GA 30009 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $6K | $24K | 6.90% |
| ALLIANCE BENEFITS & COMP LLC3 | 95555 AMELIA NATIONAL KWY FERNANDINA BEACH, FL 32034 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $22 | $22 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | GUARDIAN | $41K | $777 | $42K | 15.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | NATIONAL VISION ADMINISTRATORS, LLC | $3K | $0 | $3K | 10.00% |
| GIS NATIONAL3 Filed as: GIS OF MIDATLANTIC | 1414 KEY HIGHWAY SUITE 300M BALTIMORE, MD 21230 | METLIFE LEGAL PLANS | $3K | $0 | $3K | 11.74% |
| THE MELZER GROUP INC3 Filed as: THE MELZER GROUP | 6500 ROCK SPRING DR. SUITE 410 BETHESDA, MD 20817 | METLIFE LEGAL PLANS | $3K | $0 | $3K | 10.00% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201, BLDG 1 SUITE 100 AUSTIN, TX 78766 | METLIFE LEGAL PLANS | $0 | $1K | $1K | 5.03% |
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 | 442 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 453 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 992 | $4.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,769 | $342K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 1,007 | $34K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,769 | $620K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,769 | $620K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,769 | $620K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 992 | $4.6M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,769 | $647K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,769 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.