| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH A APPELBAUM3 Filed as: JOSEPH AVRUM APPELBAUM | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | KAISER FOUNDATION HEALTH PLAN, INC. | $11K | — | $11K | 2.42% |
| AP BENEFIT ADVISORS, LLC3 | 10 N PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | KAISER FOUNDATION HEALTH PLAN, INC. | $5K | — | $5K | 1.17% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | GUARDIAN | $39K | $9K | $48K | 12.81% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE BENEFITS CORPORATION | 14210 SPRING HILL ROAD SUITE 150 MC LEAN, VA 22102 | GUARDIAN | $15K | — | $15K | 3.91% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 1803 RESEARCH BLVD SUITE 604 ROCKVILLE, MD 20850 | KAISER FOUNDATION HLEATH PLAN OF THE MID-ATLANTIC STATES, INC. | $9K | $1K | $10K | 3.70% |
| EBCA3 Filed as: EBCA GENERAL AGENCY | 1410 SPRING HILL ROAD SUITE 150 MCLEAN, VA 22102 | KAISER FOUNDATION HLEATH PLAN OF THE MID-ATLANTIC STATES, INC. | $3K | — | $3K | 0.96% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CAPITAL, INC | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | KAISER FOUNDATION HLEATH PLAN OF THE MID-ATLANTIC STATES, INC. | $2K | — | $2K | 0.60% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS, INC. | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | KAISER FOUNDATION HLEATH PLAN OF THE MID-ATLANTIC STATES, INC. | $784 | — | $784 | 0.28% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 3.64% |
| POTOMAC INSURANCE INC3 Filed as: POTOMAC INSURANCE, INC. | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | LEGAL RESOURCES | $686 | — | $686 | 5.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 TPA | Claims processing; Contract Administrator Service code 12 | — | $6K |
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 | 357 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 359 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 78 | $880K |
| Dental(2 contracts, 2 carriers) | GUARDIAN | 357 | $520K |
| Vision | GUARDIAN | 357 | $371K |
| Life insurance | GUARDIAN | 357 | $371K |
| Short-term disability | GUARDIAN | 357 | $371K |
| Long-term disability | GUARDIAN | 357 | $371K |
| Prescription drug | KAISER FOUNDATION HLEATH PLAN OF THE MID-ATLANTIC STATES, INC. | 40 | $282K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 357 | $383K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 357 | — |
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."
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.