| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ISI OF MARYLAND LLC3 | 170 JENNIFER ROAD SUITE 130 ANNAPOLIS, MD 21401 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $68K | $0 | $68K | 4.49% |
| BENEFITMALL5 Filed as: MATHER & STROHL DBA BENEFITMALL | 501 FAIRMOUNT AVE SUITE 400 TOWSON, MD 21286 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $41K | $0 | $41K | 2.72% |
| ISI OF MARYLAND LLC3 Filed as: ISI OF MARYLAND | 170 JENNIFER RD STE 130 ANNAPOLIS, MD 21401 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.91% |
| ISI OF MARYLAND LLC3 | 170 JENNIFER ROAD SUITE 130 ANNAPOLIS, MD 21401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 12.03% |
| BENEFITMALL5 Filed as: BENEFITMALL INC | 501 FAIRMOUNT AVENUE, SUITE 400 TOWSON, MD 212860000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.01% |
| ISI OF MARYLAND LLC3 | 170 JENNIFER ROAD SUITE 130 ANNAPOLIS, MD 21401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 12.02% |
| BENEFITMALL5 Filed as: BENEFITMALL INC | 501 FAIRMOUNT AVENUE, SUITE 400 TOWSON, MD 212860000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $615 | $615 | 3.00% |
| GROUP VISION SERVICES MGMT INC3 Filed as: GROUP VISION SERVICE INC | 6700 ALEXANDER BELL DR #200 COLUMBIA, MD 21046 | FIDELITY SECURITY LIFE INSURANCE | $0 | $1K | $1K | 9.02% |
| FOREST T. JONES & COMPANY3 Filed as: FOREST T JONES & COMPANY | GROUP INSURANCE ADMINISTRATORS 3130 BROADWAY KANSAS CITY, MO 64141 | FIDELITY SECURITY LIFE INSURANCE | $0 | $783 | $783 | 5.03% |
| BRIAN M. GOFF3 | ISI OF MARYLAND LLC 170 JENNIFER ROAD SUITE 130 ANNAPOLIS, MD 21401 | FIDELITY SECURITY LIFE INSURANCE | $773 | $0 | $773 | 4.96% |
| FIRST AMERICAN ADMIN3 | 4000 LUXOTTICA PLACE MASON, OH 60693 | FIDELITY SECURITY LIFE INSURANCE | $0 | $690 | $690 | 4.43% |
| ADVANCED HEALTH CARE PRODUCTS3 | 3717 CENTER STREET CINCINNATI, OH 45227 | FIDELITY SECURITY LIFE INSURANCE | $0 | $15 | $15 | 0.10% |
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 | 373 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 374 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 375 | $1.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 243 | $76K |
| Vision | FIDELITY SECURITY LIFE INSURANCE | 278 | $16K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 373 | $20K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 373 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 375 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.