| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLER BENEFIT SERVICES, INC.3 Filed as: KELLER BENEFIT SERVICES,INC | 7316 WISCONSIN AVENUE BETHESDA, MD 20814 | UNITED HEALTHCARE INSURANCE COMPANY | $123K | — | $123K | 2.21% |
| KELLER BENEFIT SERVICES, INC.3 | 7316 WISCONSIN AVENUE BETHESDA, MD 20814 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $26K | — | $26K | 15.00% |
| KELLER BENEFIT SERVICES, INC.3 Filed as: KELLER BENEFIT SERVICES INC | 7316 WISCONSIN AVENUE BETHESDA, MD 20814 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | — | $25K | 15.00% |
| KELLER BENEFIT SERVICES, INC.3 Filed as: KELLER BENEFIT SERVICES INC | 7316 WISCONSIN AVENUE BETHESDA, MD 20814 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 9.99% |
| KELLER BENEFIT SERVICES, INC.3 Filed as: KELLER BENEFIT SERVICES, INC | 7316 WISCONSIN AVENUE BETHESDA, MD 20814 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
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 | 458 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 471 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 393 | $5.6M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 393 | $5.6M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 458 | $112K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 458 | $176K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 458 | $169K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 393 | $5.6M |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 458 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 458 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.