| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FINANCIAL BENEFIT SERVICES INS LLC3 Filed as: FINANCIAL BENEFIT SERVICES INS | 10543 METROPOLITAN AVENUE KENSINGTON, MD 208952627 | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC STATES, INC. | $56K | $3K | $58K | 3.89% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC STATES, INC. | $24K | — | $24K | 1.57% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 301 INTERNATIONAL CIRCLE HUNT VALLEY, MD 210301334 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $4K | $9K | 4.97% |
| FINANCIAL BENEFIT SERVICES INS LLC3 Filed as: FINANCIAL BENEFIT SERVICES INS. LLC | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 209101103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.73% |
| FINANCIAL BENEFIT SERVICES LLC3 Filed as: FINANCIAL BENEFIT SERVICES | 10 POST OFFICE ROAD SUITE 233 CAPITOL VIEW, MD 20910 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $869 | — | $869 | 9.91% |
| FINANCIAL BENEFIT SERVICES LLC3 Filed as: FINANCIAL BENEFIT SERVICES | 10 POST OFFICE ROAD SUITE 233 CAPITOL VIEW, MD 20910 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $303 | — | $303 | 10.04% |
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 | 166 | 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) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC STATES, INC. | 318 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 428 | $175K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 151 | $12K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 428 | $175K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 428 | $175K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 428 | $175K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC STATES, INC. | 318 | $1.5M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 428 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 428 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.