| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HODGE HART & SCHLEIFER INC3 | 8401 CONNECTICUT AVENUE SUITE 600 CHEVY CHASE, MD 20815 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $111K | $31K | $142K | 6.86% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $11K | $66 | $11K | 0.51% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | DOMINION NATIONAL | $12K | — | $12K | 10.00% |
| HODGE HART & SCHLEIFER INC3 | 7979 OLD GEORGETOWN ROAD SUITE 700 CHEVY CHASE, MD 20815 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 15.12% |
| KELLY & ASSOCIATES INSURANCE GROUP5 | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.03% |
| HODGE HART & SCHLEIFER INC3 | 7979 OLD GEORGETOWN ROAD SUITE 700 CHEVY CHASE, MD 20815 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $635 | $2K | 15.10% |
| KELLY & ASSOCIATES INSURANCE GROUP5 | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $633 | $633 | 5.03% |
| HODGE HART & SCHLEIFER INC3 | 7979 OLD GEORGETOWN ROAD SUITE 700 CHEVY CHASE, MD 20815 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $559 | $2K | 20.15% |
| KELLY & ASSOCIATES INSURANCE GROUP5 | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $556 | $556 | 5.03% |
| HODGE HART & SCHLEIFER INC3 | 8401 CONNECTICUT AVENUE SUITE 600 CHEVY CHASE, MD 20815 | DEARBORN LIFE INSURANCE COMPANY | $145 | — | $145 | 20.06% |
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 | 438 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 438 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 557 | $2.1M |
| Dental | DOMINION NATIONAL | 504 | $116K |
| Vision | DOMINION NATIONAL | 504 | $116K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 439 | $42K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 67 | $13K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 67 | $11K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 439 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 557 | — |
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."
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.