| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLER BENEFIT SERVICES, INC.3 | 7316 WISCONSIN AVE. SUITE 400 BETHESDA, MD 20814 | CIGNA | $54K | — | $54K | 0.73% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | CIGNA | $47K | — | $47K | 0.64% |
| KELLER BENEFIT SERVICES, INC.3 | 7316 WISCONSIN AVENUE, SUITE 400 BETHESDA, MD 20814 | CIGNA HEALTHCARE OF CALIFORNIA | $590 | — | $590 | 0.58% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTHCARE OF CALIFORNIA | $511 | — | $511 | 0.50% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $3K | — | $3K | 8.25% |
| KELLER BENEFIT SERVICES, INC.3 | 7316 WISCONSIN AVE BETHESDA, MD 20814 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $670 | — | $670 | 1.75% |
| ENROLLEASE3 Filed as: ONEDIGITAL | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | EYEMED/FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 7.46% |
| KELLER BENEFIT SERVICES, INC.3 | 7316 WISCONSIN AVENUE SUITE 400 BETHESDA, MD 20814 | EYEMED/FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 3.35% |
| KELLER BENEFIT SERVICES, INC.3 | 7316 WISCONSIN AVE. SUITE 400 BETHESDA, MD 20814 | CIGNA DENTAL HEALTH - VARIOUS STATES | $152 | — | $152 | 0.72% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | CIGNA DENTAL HEALTH - VARIOUS STATES | $107 | — | $107 | 0.50% |
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 | 310 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 166 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 476 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA | 466 | $7.5M |
| Dental(3 contracts, 3 carriers) | CIGNA | 466 | $7.4M |
| Vision | EYEMED/FIDELITY SECURITY LIFE INSURANCE COMPANY | 313 | $31K |
| Life insurance | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 2 | $38K |
| Prescription drug | CIGNA | 466 | $7.3M |
| Other(3 contracts, 3 carriers) | CIGNA | 466 | $7.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 466 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.