| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDUCATORS BENEFIT SERVICES3 Filed as: EDUCATORS BENEFIT SERVICES INC | 890 AIRPORT PARK ROAD SUITE 103 GLEN BURNIE, MD 21061 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $90K | — | $90K | 4.90% |
| EDUCATORS BENEFIT SERVICES3 Filed as: EDUCATORS BENEFIT SERVICES INC | 890 AIRPORT PARK ROAD SUITE 103 GLEN BURNIE, MD 210612561 | METROPOLITAN LIFE INSURANCE COMPANY | $81K | — | $81K | 4.95% |
| EDUCATORS BENEFIT SERVICES3 Filed as: EDUCATORS BENEFIT SERVICES INC | 890 AIRPORT PARK ROAD SUITE 103 GLEN BURNIE, MD 210612561 | HM LIFE INSURANCE COMPANY | $9K | — | $9K | 5.00% |
| PROFESSIONAL BENEFITS SOLUTIONS INC3 | 8945 GUILFORD ROAD SUITE 145 COLUMBIA, MD 21046 | DENTAQUEST MID-ATLANTIC INC | $9K | — | $9K | 6.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EDUCATORS BENEFIT SERVICES INC EIN 52-1642161 CONTRACT ADMINISTRATOR | Insurance agents and brokers; Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance brokerage commissions and fees; Consulting (general); Contract Administrator; Sales loads (front end and deferred) Service code 13 | 890 AIRPORT PARK ROAD SUITE 103 GLEN BURNIE, MD 21061 | $620K |
| UNITED BEHAVIORAL HEALTH DBA OPTUM EIN 94-2649097 SERVICE PROVIDER | Other services Service code 49 | 425 MARKET STREET 27TH FLOOR SAN FRANCISCO, CA 94105 | $33K |
| ANDERSON DAVIS & ASSOCIATES CPA PA EIN 52-1861549 ACCOUNTANT | Recordkeeping fees; Accounting (including auditing) Service code 10 | 1406B CRAIN HIGHWAY SOUTH SUITE 204 GLEN BURNIE, MD 21061 | $9K |
| FEDERAL INSURANCE COMPANY EIN 13-1963496 INSURANCE SERVICES | Insurance services Service code 23 | 15 MOUNTAIN VIEW ROAD WARREN, NJ 07059 | $7K |
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 | 4,968 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 63 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,031 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 5,592 | $28.0M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,125 | $1.8M |
| Vision | HM LIFE INSURANCE COMPANY | 1,852 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,592 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.