| 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 | $86K | $7K | $93K | 5.99% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $9K | $57 | $9K | 0.56% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | DOMINION NATIONAL | $11K | — | $11K | 10.00% |
| HODGE HART & SCHLEIFER INC3 | 7979 OLD GEORGETOWN ROAD SUITE 700 CHEVY CHASE, MD 20815 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 16.20% |
| KELLY & ASSOCIATES INSURANCE GROUP5 | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| HODGE HART & SCHLEIFER INC3 | 7979 OLD GEORGETOWN ROAD SUITE 700 CHEVY CHASE, MD 20815 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $952 | $575 | $2K | 16.04% |
| KELLY & ASSOCIATES INSURANCE GROUP5 | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $476 | $476 | 5.00% |
| HODGE HART & SCHLEIFER INC3 | 7979 OLD GEORGETOWN ROAD SUITE 700 CHEVY CHASE, MD 20815 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $511 | $2K | 21.10% |
| KELLY & ASSOCIATES INSURANCE GROUP5 | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $419 | $419 | 5.00% |
| HODGE HART & SCHLEIFER INC3 | 8401 CONNECTICUT AVENUE SUITE 600 CHEVY CHASE, MD 20815 | DEARBORN LIFE INSURANCE COMPANY | $164 | — | $164 | 38.95% |
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 | 271 | 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) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 453 | $1.6M |
| Dental | DOMINION NATIONAL | 400 | $107K |
| Vision | DOMINION NATIONAL | 400 | $107K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 371 | $32K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 51 | $10K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 51 | $8K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 421 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 453 | — |
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.