| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC. | 6500 ROCK SPRING DRIVE, SUITE 500 BETHESDA, MD 20817 | CAREFIRST BLUECHOICE, INC. | $0 | $93K | $93K | 3.50% |
| POTOMAC BASIN GROUP ASSOCIATES LLC5 Filed as: POTOMAC BASIN GROUP ASSOCIATION | 4740 CORRIDOR PLACE, SUITE B BELTSVILLE, MD 20705 | CAREFIRST BLUECHOICE, INC. | $0 | $13K | $13K | 0.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC. | 6500 ROCK SPRING DRIVE, SUITE 410 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $2K | $15K | 7.14% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $5K | $12K | 5.57% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP MID-ATLANTIC SG, LLC | 4740 CORRIDOR PLACE, SUITE B BELTSVILLE, MD 20705 | METROPOLITAN LIFE INSURANCE COMPANY | -$6 | $0 | -$6 | -0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC. | 6500 ROCK SPRING DRIVE, SUITE 500 BETHESDA, MD 20817 | SUN LIFE ASSURANCE COMPANY OF CANADA | $22K | $0 | $22K | 11.64% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | $0 | $9K | 5.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $6K | $6K | 3.09% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $2K | $2K | 1.03% |
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 | 266 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 249 | $2.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 329 | $208K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 329 | $208K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 266 | $186K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 266 | $186K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 266 | $186K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 249 | $2.6M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 266 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.