| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | LOCKBOX 740659 LOS ANGELES, CA 90074 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $8K | $840 | $8K | 2.98% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | $3K | $16K | 9.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 7015 COLLEGE BLVD STE 400 OVERLAND PARK, KS 921865638 | PRINCIPAL LIFE INSURANCE COMPANY | $15K | — | $15K | 8.99% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 240282748 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 0.82% |
| DECHRISTOPHER BROKERAGE INC3 | 2100 ROUND SPRINGS DRIVE VIENNA, VA 22181 | TRANSAMERICA LIFE INSURANCE COMPANY | $192 | — | $192 | 4.11% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | TRANSAMERICA LIFE INSURANCE COMPANY | $121 | — | $121 | 2.59% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | TRANSAMERICA LIFE INSURANCE COMPANY | $62 | — | $62 | 1.33% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 55 | $280K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 285 | $162K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 285 | $162K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 285 | $162K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 285 | $162K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 285 | $162K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 55 | $280K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 285 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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.