| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DECHRISTOPHER BROKERAGE INC3 | 501 CHURCH ST NE SUITE 117 VIENNA, VA 22180 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $45K | $5K | $50K | 7.95% |
| THE DECHRISTOPHER GROUP3 | 501 CHURCH STREET SUITE 117 VIENNA, VA 22180 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 7.24% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $880 | $880 | 3.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: EARLY CASSIDY & SCHILLING | 15200 OMEGA DRIVE SUITE 100 ROCKVILLE, MD 20850 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $139 | — | $139 | 0.55% |
| THE DECHRISTOPHER GROUP3 | 501 CHURCH STREET STE 117 VIENNA, VA 22180 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 11.25% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $329 | $329 | 3.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: EARLY CASSIDY & SCHILLING INC | 15200 OMEGA DRIVE SUITE 100 ROCKVILLE, MD 20850 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $114 | — | $114 | 1.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: EARLY CASSIDY & SCHILLING | 15200 OMEGA DRIVE SUITE 100 ROCKVILLE, MD 20850 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $625 | — | $625 | 10.00% |
| THE DECHRISTOPHER GROUP3 | 501 CHURCH STREET SUITE 117 VIENNA, VA 22180 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $203 | — | $203 | 9.02% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $81 | $81 | 3.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: EARLY CASSIDY & SCHILLING | 15200 OMEGA DRIVE SUITE 100 ROCKVILLE, MD 20850 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21 | — | $21 | 0.93% |
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 | 118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 156 | $629K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 115 | $25K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 21 | $6K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 21 | $9K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 115 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.