| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP, INC. | 6500 ROCK SPRING DRIVE SUITE 5 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $55K | — | $55K | 3.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | AETNA LIFE INSURANCE COMPANY | $126K | $35K | $161K | 11.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 5 BETHESDA, MD 20817 | CIGNA HEALTHCARE OF CALIFORNIA INC | $4K | — | $4K | 3.00% |
| MELTZE GROUP BENEFITS3 | 6500 ROCK SPRING DRIVE SUITE 5 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| MICHAEL J LENEVEU3 Filed as: MICHAEL JASON SILVER | 11935 DOROTHY STREET APT 301 LOS ANGELES, CA 90049 | AFLAC | $668 | — | $668 | 3.00% |
| JESSICA PEREZ3 | 5884 GREEN VALLEY CIRCLE CULVER CITY, CA 90230 | AFLAC | $267 | $77 | $344 | 1.55% |
| RICHARD C BIGUM3 | 6765 CACTUS LANE LAVERNE, CA 90230 | AFLAC | $316 | — | $316 | 1.42% |
| CARLOS ENRIQUEZ INS. SERVICES CORP.3 Filed as: CARLOS ENRIQUEZ INSURANCE SERVICES | 6167 BRISTOL PARKWAY SUITE 106 CULVER CITY, CA 90230 | AFLAC | $279 | $12 | $291 | 1.31% |
| SANDY J RYAN3 | PO BOX 67 LOVETTSVILLE, VA 20180 | AFLAC | $189 | $53 | $242 | 1.09% |
| MONA MARCOS3 | 8785 CATUS LANE LAVERNE, CA 91750 | AFLAC | $227 | — | $227 | 1.02% |
| JESSICA PEREZ3 | 11835 W OLYMPIC BOULEVARD SUITE 795E LOS ANGELES, CA 90064 | AFLAC | $193 | — | $193 | 0.87% |
| CHRISTINE M. SEKAS3 Filed as: CHRISTINE M SEKAS | 80 WEST SIERRA MADRE BOULEVARD SUITE 398 SIERRA MADRE, CA 91024 | AFLAC | $161 | — | $161 | 0.72% |
| ROBERT A MOORE3 | 5120 W GOLDLEAF CIRCLE SUITE 150 LOS ANGELES, CA 90058 | AFLAC | $114 | — | $114 | 0.51% |
| ANTHONY M. MENDOZA3 Filed as: ANTHONY M MENDOZA | 1 S FAIR OAKS AVENUE SUITE 200 PASADENA, CA 91105 | AFLAC | $109 | — | $109 | 0.49% |
| ARLICE C. MARSHALL3 Filed as: ARLICE C MARSHALL | 14737 BELLFLOWER BOULEVARD SUITE 4 BELLFLOWER, CA 90706 | AFLAC | $64 | — | $64 | 0.29% |
| ADAM H MICHAELS3 | 2922 CORDA LANE LOS ANGELES, CA 90049 | AFLAC | $61 | — | $61 | 0.27% |
| INSURANCE MARKET PLACE INC3 | 4401 FAIR LAKES COURT SUITE 304 FAIRFAX, VA 22033 | AFLAC | $48 | $11 | $59 | 0.27% |
| TRENA R KNIGHT3 | 6167 BRISTOL PARKWAY SUITE 106 CULVER CITY, CA 90230 | AFLAC | $54 | — | $54 | 0.24% |
| SBHU LIFE AGENCY, INC.3 Filed as: SBHU LIFE AGENCY INC | 201 PLAZA 2 7TH FLOOR JERSEY CITY, NJ 07311 | AFLAC | $45 | — | $45 | 0.20% |
| JOSEPH A BUZZELLO3 | 9018 BALBOA BOULEVARD SUITE 254 NORTHRIDGE, CA 91325 | AFLAC | $41 | — | $41 | 0.18% |
| DOLANN A KNOX3 | 4407 PRESIDIO DRIVE APT B VIEW PARK, CA 90008 | AFLAC | $41 | — | $41 | 0.18% |
| GEOFFREY MALAIS3 | 16800 DEVONSHIRE STREET SUITE 220 GRANDA HILLS, CA 91344 | AFLAC | $33 | — | $33 | 0.15% |
| JERMY HOELKER3 | 10400 EATON PLACE SUITE 400 FAIRFAX, VA 22030 | AFLAC | $21 | $11 | $32 | 0.14% |
| KANDI M MCINTYRE3 | 2000 MALLORY LANE SUITE 130-378 FRANKLIN, TN 37067 | AFLAC | $21 | — | $21 | 0.09% |
| CHRISTOPHER HAGER3 | 8021 TRUXTON AVENUE LOS ANGELES, CA 90056 | AFLAC | $16 | — | $16 | 0.07% |
| ALBERTO T HANN3 | 5120 W GOLDLEAF CIRCLE SUITE 60 LOS ANGELES, CA 90058 | AFLAC | $16 | — | $16 | 0.07% |
| ROBERT CAVALERI3 Filed as: ROBERT VINCENT CAVALERI | UNKNOW ADDRESS MANASSAS, VA 20111 | AFLAC | $13 | — | $13 | 0.06% |
| MICHAEL C WALKER3 Filed as: MICHAEL A STACHOWIAK | 321 N CLARK STREET SUITE 625 CHICAGO IL, IL 60654 | AFLAC | $13 | — | $13 | 0.06% |
| BENJAMIN KLINGER3 | 5503 SPRUCE TREE AVENUE BETHESDA, DC 20814 | AFLAC | $8 | — | $8 | 0.04% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $7 | — | $7 | 0.03% |
| DANIEL J LONG3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21078 | AFLAC | $6 | — | $6 | 0.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H WILLIS JR | 1431 NE 55TH STREET FORTH LAUDERDALE, FL 33334 | AFLAC | $4 | — | $4 | 0.02% |
| OLENA K SHEA3 | 3 MITCHELL PLACE UNIT 18C NEW YORK, NY 10017 | AFLAC | $4 | — | $4 | 0.02% |
| MICHAEL R. FISHER3 Filed as: MICHAEL R FISHER | 3201 WILSHIRE BOULEVARD SUITE 102 SANTA MONICA, CA 90403 | AFLAC | $3 | — | $3 | 0.01% |
| LARA K GRANDE3 | 1022 WESTHAVEN BOULEVARD FRANKLIN, TN 37084 | AFLAC | $2 | — | $2 | 0.01% |
| JEREMY A FELDMAN3 | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $2 | — | $2 | 0.01% |
| JOSEPH A NASCA3 | 28081 W MAPLE AVENUE BARRINGTON, IL 50010 | AFLAC | $1 | — | $1 | 0.00% |
| DIVYA JAIN3 | 4401 FAIR LAKES COURT SUITE 304 FAIRFAX, VA 22033 | AFLAC | $1 | — | $1 | 0.00% |
| GARY SCOTT NELLIS3 | 10607 1/2 WOODBRIDGE STREET TOLUCA LAKE, CA 91602 | AFLAC | $1 | — | $1 | 0.00% |
| ALLISON FARRIS WENDELBERGER3 | 207 SANTA FE DRIVE WALNUT CREEK, CA 94598 | AFLAC | $1 | — | $1 | 0.00% |
| JOSEPH A BUZZELLO3 | 9018 BALBOA BOULEVARD SUITE 254 NORTHRIDGE, AA 91325 | AFLAC | $1 | — | $1 | 0.00% |
| DAVID J MCCLELLAN3 Filed as: DAVID J WAGENHEIM | 582 WOODBINE AVENUE TOWSON, MD 21204 | AFLAC | $1 | — | $1 | 0.00% |
| KELLY LYNN FELDMAN3 | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $1 | — | $1 | 0.00% |
| MEGHAN MOFFATT LUCAS3 Filed as: MEGHAN M MILLER | 6831 FOX RIDGE CIRCLE DAVIDSON, NC 28038 | AFLAC | $1 | — | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 5 BETHESDA, MD 20817 | CIGNA DENTAL HEALTH OF CALIFORNIA INC | $120 | — | $120 | 3.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 5 BETHESDA, MD 20817 | CIGNA DENTAL HEALTH OF VIRGINIA | $47 | — | $47 | 4.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 5 BETHESDA, MD 20817 | CIGNA DENTAL HEALTH OF MARYLAND INC | $42 | — | $42 | 4.03% |
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 | 434 | 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) | 434 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 329 | $3.4M |
| Dental(5 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 329 | $3.2M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 329 | $3.2M |
| Life insurance(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 329 | $1.6M |
| Short-term disability(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 142 | $230K |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 142 | $208K |
| Other(5 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 329 | $1.7M |
| 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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.