Form 5500 · Employee benefit plan · BETHESDA, MD
DB CONSULTING GROUP, INC.
The filing calls this plan DB CONSULTING GROUP HEALTH & WELFARE BENEFIT PLAN.
Public Form 5500 records show how DB CONSULTING GROUP, INC. of BETHESDA, MD, a professional services employer, structures its employee benefits. Its broker of record is THE MELTZER GROUP, INC.. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 3 other carriers. The plan's most recent policy period ended in June.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 52-2274227 · plan 506 · plan year 2024, filed Apr 11, 2025
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How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
Also declared: other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 8 insured contracts covering health, dental, vision, life and disability; the largest, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 129 people.
Reported premium across the insured contracts is $503,544, with $29,325 in disclosed broker commissions — about 5.8% of premium.
The most recent policy period ended in June, and the plan year ends June 30. Group contracts typically renew on that annual cycle.
THE MELTZER GROUP, INC. is the broker of record on 5 of the 8 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including CIGNA HEALTH AND LIFE INSURANCE COMPANY, DELTA DENTAL OF PENNSYLVANIA, RELIANCE STANDARD LIFE INSURANCE COMPANY and FIDELITY SECURITY LIFE INSURANCE COMPANY. CIGNA HEALTH AND LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| RELIANCE STANDARD LIFE INSURANCE COMPANY | — | 36 | Jul 1, 2024 | $35,271 | $8,818 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Disability | 113 | Jul 1, 2024 | $24,215 | $6,054 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Disability | 113 | Jul 1, 2024 | $23,259 | $5,815 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Life | 113 | Jul 1, 2024 | $15,643 | $3,911 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health | 129 | Jul 1, 2024 | $312,864 | $2,592 |
| FIDELITY SECURITY LIFE INSURANCE COMPANY | Vision | 172 | Jul 1, 2024 | $12,124 | $849 |
| DELTA DENTAL OF PENNSYLVANIA | Dental | 184 | Jul 1, 2024 | $78,244 | $805 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | — | 70 | Jul 1, 2024 | $1,924 | $481 |
Premium and claims on this contract
FIDELITY SECURITY LIFE INSURANCE COMPANY, contract 12129-70. For the contract year on this filing, the carrier reported $12,124 in premium earned and the same figure again in claims incurred.
- FIDELITY SECURITY LIFE INSURANCE COMPANY, contract 12129-70 reported $3,050 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Other plans filed by this employer
How this plan compares
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