| 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 | $46K | $1K | $47K | 3.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | AETNA LIFE INSURANCE COMPANY | $118K | $32K | $150K | 11.93% |
| 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% |
| ANDREA ALAMA SMITH3 | 8280 RUSH STREET APT D ROSEMEAD, CA 91770 | AFLAC | $970 | — | $970 | 5.40% |
| SANDY J RYAN3 | PO BOX 67 LOVETTSVILLE, VA 20180 | AFLAC | $379 | — | $379 | 2.11% |
| JESSICA PEREZ3 | 11835 W OLYMPIC BOULEVARD SUITE 795E LOS ANGELES, AA 90064 | AFLAC | $215 | $11 | $226 | 1.26% |
| CARLOS ENRIQUEZ INS. SERVICES CORP.3 Filed as: CARLOS ENRIQUEZ INSURANCE SERVICES | 6167 BRISTOL PARKWAY SUITE 106 CULVER CITY, CA 90230 | AFLAC | $212 | $11 | $223 | 1.24% |
| RICHARD C BIGUM3 | 6765 CACTUS LANE LAVERNE, CA 91750 | AFLAC | $200 | — | $200 | 1.11% |
| MONA MARCOS3 | 6765 CACTUS LANE LAVERNE, CA 91750 | AFLAC | $131 | — | $131 | 0.73% |
| CHRISTINE M. SEKAS3 Filed as: CHRISTINE M SEKAS | 80 WEST SIERRA MADRE BOULEVARD SUITE 398 SIERRA MADRE, CA 91024 | AFLAC | $101 | — | $101 | 0.56% |
| ROBERT A MOORE3 | 5120 W GOLDLEAF CIRCLE SUITE 150 LOS ANGELES, CA 90058 | AFLAC | $96 | — | $96 | 0.53% |
| MICHAEL J LENEVEU3 Filed as: MICHAEL JASON SILVER | 11935 DOROTHY STREET APT 301 LOS ANGELES, CA 90049 | AFLAC | $42 | $53 | $95 | 0.53% |
| ANTHONY M. MENDOZA3 Filed as: ANTHONY M MENDOZA | 1 S FAIR OAKS AVENUE SUITE 200 PASADENA, CA 91105 | AFLAC | $92 | — | $92 | 0.51% |
| INSURANCE MARKET PLACE INC3 | 4401 FAIR LAKES COURT SUITE 304 FAIRFAX, VA 22033 | AFLAC | $87 | — | $87 | 0.48% |
| DIVYA JAIN3 | 4401 FAIR LAKES COURT SUITE 304 FAIRFAX, VA 22033 | AFLAC | $49 | — | $49 | 0.27% |
| ADAM H MICHAELS3 | 2922 CORDA LANE LOS ANGELES, CA 90049 | AFLAC | $41 | — | $41 | 0.23% |
| SBHU LIFE AGENCY, INC.3 Filed as: SBHU LIFE AGENCY INC | 200 HIDSON STREET JERSEY CITY, NJ 07311 | AFLAC | $38 | — | $38 | 0.21% |
| CARLOS F ENRIQUEZ3 Filed as: CARLOS ENRIQUEZ | 5120 W GOLDLEAD CIRCLE SUITE 160 LOS ANGELES, CA 90056 | AFLAC | $37 | — | $37 | 0.21% |
| TRENA R KNIGHT3 | 6167 BRISTOL PARKWAY SUITE 106 CULVER CITY, CA 90230 | AFLAC | $33 | — | $33 | 0.18% |
| DOLANN A KNOX3 | 4407 PRESIDIO DRIVE APT B VIEW PARK, CA 90008 | AFLAC | $29 | — | $29 | 0.16% |
| JOSEPH A BUZZELLO3 | 9018 BALBOA BOULEVARD SUITE 254 NORTHRIDGE, CA 91325 | AFLAC | $25 | — | $25 | 0.14% |
| GEOFFREY MALAIS3 | 16800 DEVONSHIRE STREET SUITE 220 GRANDA HILLS, CA 91344 | AFLAC | $22 | — | $22 | 0.12% |
| ARLICE C. MARSHALL3 Filed as: ARLICE C MARSHALL | 14737 BELLFLOWER BOULEVARD SUITE 4 BELLFLOWER, CA 90706 | AFLAC | $17 | — | $17 | 0.09% |
| CHRISTOPHER HAGER3 | 8021 TRUXTON AVENUE LOS ANGELES, CA 90056 | AFLAC | $11 | — | $11 | 0.06% |
| ROBERT CAVALERI3 | 11350 MOORE DRIVE MANASSAS, VA 20111 | AFLAC | $11 | — | $11 | 0.06% |
| ALBERTO T HANN3 | 5120 W GOLDLEAF CIRCLE SUITE 60 LOS ANGELES, CA 90058 | AFLAC | $8 | — | $8 | 0.04% |
| MICHAEL C WALKER3 Filed as: MICHAEL A STACHOWIAK | 321 N CLARK STREET SUITE 625 CHICAGO IL, IL 60654 | AFLAC | $8 | — | $8 | 0.04% |
| JERMY HOELKER3 | 10400 EATON PLACE SUITE 400 FAIRFAX, VA 22030 | AFLAC | $7 | — | $7 | 0.04% |
| KANDI M MCINTYRE3 | 2000 MALLORY LANE SUITE 130-378 FRANKLIN, TN 37067 | AFLAC | $7 | — | $7 | 0.04% |
| ABEL BARSEGYAN3 | 730 S MARYLAND AVENUE APT 2 GLENDALE, CA 91205 | AFLAC | $7 | — | $7 | 0.04% |
| BENJAMIN KLINGER3 | 5503 SPRUCE TREE AVENUE BETHESDA, DC 20814 | AFLAC | $6 | — | $6 | 0.03% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $6 | — | $6 | 0.03% |
| OLENA K SHEA3 | 3 MITCHELL PLACE UNIT 18C NEW YORK, NY 10017 | AFLAC | $3 | — | $3 | 0.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H WILLIS JR | 1431 NE 55TH STREET FORTH LAUDERDALE, FL 33334 | AFLAC | $2 | — | $2 | 0.01% |
| MICHAEL R. FISHER3 Filed as: MICHAEL R FISHER | 50 W LEMON AVENUE SUITE 2 MONROVIACA, CA 91016 | AFLAC | $2 | — | $2 | 0.01% |
| LARA K GRANDE3 | 117 MORNING MIST LANE FRANKLIN, TN 37064 | 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 | 0.01% |
| ALLISON FARRIS WENDELBERGER3 | 207 SANTA FE DRIVE WALNUT CREEK, CA 94598 | AFLAC | $1 | — | $1 | 0.01% |
| KELLY LYNN FELDMAN3 | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $1 | — | $1 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 5 BETHESDA, MD 20817 | CIGNA DENTAL HEALTH OF CALIFORNIA INC | $115 | — | $115 | 4.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 5 BETHESDA, MD 20817 | CIGNA DENTAL HEALTH OF MARYLAND INC | $55 | — | $55 | 4.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 5 BETHESDA, MD 20817 | CIGNA DENTAL HEALTH OF VIRGINIA | $44 | — | $44 | 4.07% |
| MELTZE GROUP BENEFITS3 | 6500 ROCK SPRING DRIVE SUITE 5 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $98 | — | $98 | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 5 BETHESDA, MD 20817 | CIGNA DENTAL HEALTH OF FLORIDA | $22 | — | $22 | 4.07% |
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 | 308 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 323 | 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 | 326 | $2.9M |
| Dental(6 contracts, 6 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 326 | $2.7M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 326 | $2.7M |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 326 | $1.4M |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 118 | $114K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 118 | $96K |
| Other(4 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 326 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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.