| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 7371 HUNTSMAN DR. WARRENTON, VA 20186 | CAREFIRST BLUE CHOICE, INC. | — | $103K | $103K | 4.35% |
| AP BENEFIT ADVISORS, LLC5 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIRCLE STE 4500 HUNT VALLEY, MD 21031 | CAREFIRST BLUE CHOICE, INC. | — | $11K | $11K | 0.47% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET 6TH FL SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $8K | $2K | $11K | 3.32% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS, LLC DBA INSURA | 200 INTERNATIONAL AVE. STE 200 HUNT VALLEY, MD 21131 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $3K | — | $3K | 1.02% |
| ALLIANT INSURANCE SERVICES, INC.3 | 6550 ROCK SPRING DRIVE STE 610 BETHESDA, MD 20817 | EYEMED | $1K | — | $1K | 10.00% |
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 | 217 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUE CHOICE, INC. | 217 | $2.4M |
| Vision | EYEMED | 147 | $14K |
| Prescription drug | CAREFIRST BLUE CHOICE, INC. | 217 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.