| 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 | $125K | $5K | $130K | 5.23% |
| EDUCATORS BENEFIT SERVICES3 Filed as: EDUCATORS BENEFIT SERVICES INC | 890 AIRPORT PARK ROAD GLEN BURNIE, MA 210612559 | UNITEDHEALTHCARE INSURANCE COMPANY | $98K | — | $98K | 6.00% |
| EDUCATORS BENEFIT SERVICES3 Filed as: EDUCATORS BENEFIT SERVICES INC | 890 AIRPORT PARK ROAD SUITE 103 GLEN BURNIE, MD 210612561 | HM LIFE INSURANCE COMPANY | $12K | — | $12K | 5.00% |
| PROFESSIONAL BENEFITS SOLUTIONS INC3 | 8945 GUILFORD ROAD SUITE 145 COLUMBIA, MD 21046 | DOMINION NATIONAL | $7K | — | $7K | 6.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EDUCATORS BENEFIT SERVICES INC EIN 52-1642161 CONTRACT ADMINISTRATOR | Contract Administrator; Insurance agents and brokers; Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance brokerage commissions and fees; Consulting (general); Sales loads (front end and deferred) Service code 13 | 890 AIRPORT PARK ROAD SUITE 103 GLEN BURNIE, MD 21061 | $1.1M |
| UNITED BEHAVIORAL HEALTH DBA OPTUM EIN 94-2649097 SERVICE PROVIDER | Other services Service code 49 | 425 MARKET STREET 27TH FLOOR SAN FRANCISCO, CA 94105 | $35K |
| ANDERSON DAVIS & ASSOCIATES CPA PA EIN 52-1861549 ACCOUNTANT | Accounting (including auditing); Recordkeeping fees Service code 10 | 1406B CRAIN HIGHWAY SOUTH SUITE 204 GLEN BURNIE, MD 21061 | $9K |
| M&T BANK EIN 16-0538020 BANK | Custodial (other than securities) Service code 18 | 285 DELAWARE AVENUE 3RD FLOOR BUFFALO, NY 14202 | $6K |
| DAVIDSON DOYLE & HILTON LLP EIN 54-1953476 AUDITOR | Accounting (including auditing) Service code 10 | 916 MAIN STREET LYNCHBURG, VA 24504 | $0 |
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 | 5,687 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 58 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,745 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,995 | $32.8M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,624 | $1.7M |
| Vision | HM LIFE INSURANCE COMPANY | 2,286 | $245K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,995 | — |
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.