| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 4456 CORPORATION LANE, SUTE 350 VIRGINIA BEACH, VA 23462 | UNITEDHEALTHCARE INSURANCE COMPANY | $33K | $154K | $186K | 3.90% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC INSURANCE GROUP INC | 1 KELLY WAY SPARKS GLENCOE, MD 21152 | UNITEDHEALTHCARE INSURANCE COMPANY | $78K | $0 | $78K | 1.63% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS AND INS SVCS | 1850 GATWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $12K | $15K | 0.31% |
| US INSURANCE SERVICES LLC3 Filed as: US INSURANCE SERVICES, LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | KAISER FOUNDATION HEALTH PLAN, INC. | $5K | $0 | $5K | 5.01% |
| AMWINS3 Filed as: AMWINS CONNECT INS SERVICES, LLC | 2677 NORTH MAIN STREET, SUITE 800 SANTA ANA, CA 92705 | KAISER FOUNDATION HEALTH PLAN, INC. | $1K | $0 | $1K | 1.14% |
| USI INSURANCE SERVICES LLC3 | 11350 MCCORMICK ROAD EXECUTIVE PLAZA III, SUITE 120 HUNT VALLEY, MD 21031 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $3K | $60 | $3K | 3.72% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC INSURANCE GROUP INC | 1 KELLY WAY SPARKS GLENCOE, MD 21152 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $684 | $0 | $684 | 0.83% |
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 | 408 | 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) | 408 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 775 | $5.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 775 | $4.8M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 775 | $4.8M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 775 | $4.8M |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 775 | $4.8M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 775 | $4.8M |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 17 | $174K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 775 | $4.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 775 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.