| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 401 BETHESDA, MD 20817 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $39K | $2K | $41K | 5.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP MID-ATLANTIC SG LLC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $18K | $5 | $18K | 2.36% |
| DECHRISTOPHER BROKERAGE INC3 Filed as: DECHRISTOPHER BROKERAGE INC. | 501 CHURCH ST NE STE 117 VIENNA, VA 221804734 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $0 | $2K | $2K | 0.27% |
| THE DECHRISTOPHER GROUP3 | 501 CHURCH STREET SUITE 117 VIENNA, VA 22180 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 8.52% |
| THE DECHRISTOPHER GROUP3 | 501 CHURCH STREET STE 117 VIENNA, VA 22180 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 15.01% |
| THE DECHRISTOPHER GROUP3 | 501 CHURCH STREET SUITE 117 VIENNA, VA 22180 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $667 | $0 | $667 | 10.00% |
| THE DECHRISTOPHER GROUP3 | 501 CHURCH STREET SUITE 117 VIENNA, VA 22180 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $301 | $0 | $301 | 12.00% |
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 | 130 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 164 | $749K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 130 | $30K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 18 | $7K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 18 | $8K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 130 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.