| 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 | $132K | $5K | $136K | 5.13% |
| EBCA5 Filed as: EBCA GENERAL AGENCY - GDG TPA | 1410 SPRING HILL ROAD SUITE 150 MCLEAN, VA 22102 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $10K | — | $10K | 0.39% |
| EDUCATORS BENEFIT SERVICES3 Filed as: EDUCATORS BENEFIT SERVICES INC | 890 AIRPORT PARK ROAD GLEN BURNIE, MD 210612559 | UNITEDHEALTHCARE INSURANCE COMPANY | $172K | — | $172K | 6.50% |
| EDUCATORS BENEFIT SERVICES3 Filed as: EDUCATORS BENEFIT SERVICES INC | 890 AIRPORT PARK ROAD SUITE 103 GLEN BURNIE, MD 210612561 | VISION SERVICE PLAN | $17K | — | $17K | 5.00% |
| PROFESSIONAL BENEFITS SOLUTIONS INC3 | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | DOMINION NATIONAL | $6K | — | $6K | 4.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | DOMINION NATIONAL | $4K | — | $4K | 2.91% |
| EDUCATORS BENEFIT SERVICES3 Filed as: EDUCATORS BENEFIT SERVICES INC | 890 AIRPORT PARK ROAD SUITE 103 GLEN BURNIE, MD 21061 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| EDUCATORS BENEFIT SERVICES3 Filed as: EDUCATORS BENEFIT SERVICES INC | 890 AIRPORT PARK ROAD SUITE 103 GLEN BURNIE, MD 21061 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EDUCATORS BENEFIT SERVICES INC EIN 52-1642161 COBRA AND EAP ADMIN | Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance agents and brokers; Sales loads (front end and deferred); Contract Administrator; Insurance brokerage commissions and fees; Participant communication; Consulting (general) Service code 13 | 890 AIRPORT PARK ROAD SUITE 103 GLEN BURNIE, MD 21061 | $1.1M |
| JANUS ASSOCIATES INC DBA BHS EIN 52-1306404 EAP/WELLNESSSVC PROVIDER | Other services Service code 49 | 6225 SMITH AVENUE SUITE 203 BALTIMORE, MD 21209 | $124K |
| DAVIDSON DOYLE & HILTON LLP EIN 54-1953476 AUDITOR | Accounting (including auditing) Service code 10 | 916 MAIN STREET LYNCHBURG, VA 24504 | $17K |
| HMS INSURANCE ASSOCIATES INC EIN 52-1435138 INSURANCE PROVIDER | Insurance services Service code 23 | PO BOX 1750 COCKEYSVILLE, ME 210300000 | $10K |
| 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 |
| M&T BANK EIN 16-0538020 BANK | Custodial (other than securities) Service code 18 | 285 DELAWARE AVENUE 3RD FLOOR BUFFALO, NY 14202 | $6K |
| CHUBB GROUP OF INSURANCE COMPANIES EIN 13-1963496 INSURANCE PROVIDER | Insurance services Service code 23 | 82 HOPMEADOW STREET SIMSBURY, CT 060707683 | $5K |
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 | 4,867 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 134 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,001 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 3,069 | $37.6M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,659 | $2.8M |
| Vision | VISION SERVICE PLAN | 2,610 | $347K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 690 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,069 | — |
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.