| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP, INC. | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $262K | $262K | 2.50% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | METROPOLITAN LIFE INSURANCE COMPANY | $36K | $9K | $45K | 5.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR. SUITE 410 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $36K | $6K | $42K | 5.29% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | STANDARD INSURANCE COMPANY | $151K | $0 | $151K | 39.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | STANDARD INSURANCE COMPANY | $120K | $13K | $133K | 35.41% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | STANDARD INSURANCE COMPANY | $11K | $0 | $11K | 2.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | STANDARD INSURANCE COMPANY | $30K | $12K | $43K | 12.52% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | STANDARD INSURANCE COMPANY | $15K | $0 | $15K | 4.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | STANDARD INSURANCE COMPANY | $19K | $8K | $27K | 12.89% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | STANDARD INSURANCE COMPANY | $10K | $0 | $10K | 4.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | STANDARD INSURANCE COMPANY | $20K | $8K | $28K | 13.29% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | STANDARD INSURANCE COMPANY | $10K | $0 | $10K | 4.57% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $83K | $0 | $83K | 43.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $51K | $0 | $51K | 26.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR. SUITE 410 BETHESDA, MD 20817 | METROPOLITAN GENERAL INSURANCE COMPANY | $7K | $189 | $7K | 16.48% |
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 | 1,917 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 76 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,002 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,239 | $10.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,195 | $790K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,195 | $790K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,783 | $342K |
| Short-term disability | STANDARD INSURANCE COMPANY | 583 | $209K |
| Long-term disability | STANDARD INSURANCE COMPANY | 369 | $209K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 1,783 | $575K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,195 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.