| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON PARTNERS INC | 36 S CHARLES ST, STE 1000 BALTIMORE, MD 21201 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $20K | — | $20K | 0.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS, INC. NONE | Contract Administrator; Direct payment from the plan Service code 13 | 700 TOWER DRIVE, SUITE 300 TROY, MI 480982808 | $436K |
| SLEVIN & HART EIN 52-1708613 NONE | Legal; Direct payment from the plan Service code 29 | — | $54K |
| DENTEGRA INSURANCE COMPANY EIN 75-1233841 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $48K |
| THE SEGAL COMPANY NONE | Direct payment from the plan; Consulting fees Service code 50 | 1800 M STREET, NW, 900 S WASHINGTON, DC 20036 | $36K |
| DLA PIPER, LLP (US) EIN 52-0616490 NONE | Legal; Direct payment from the plan Service code 29 | — | $25K |
| NOVAK FRANCELLA, LLC EIN 61-1436956 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $20K |
| CHARTWELL INVESTMENT PARTNERS EIN 23-2891243 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $12K |
| BOYD WATTERSON ASSET MANAGEMENT LLC EIN 34-1922005 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $10K |
| BOLTON PARTNERS, INC. EIN 52-1231144 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $9K |
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 | 1,565 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,585 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 1,694 | $9.8M |
| Vision | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 1,694 | $9.8M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 1,694 | $9.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,694 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.