| 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 | $61K | $2K | $63K | 2.89% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INS GROUP INC. | 1 KELLY WAY SPARKS, MD 21152 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $34K | $0 | $34K | 1.55% |
| BENEFITMALL5 Filed as: MATHER & STROHL DBA BENEFITMALL | 501 FAIRMOUNT AVE SUITE 400 TOWSON, MD 21286 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $17K | $0 | $17K | 0.77% |
| 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 | 4.89% |
| ISI OF MARYLAND LLC3 | 170 JENNIFER ROAD SUITE 130 ANNAPOLIS, MD 21401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $5K | $10K | 21.84% |
| ISI OF MARYLAND LLC3 | 170 JENNIFER ROAD SUITE 130 ANNAPOLIS, MD 21401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 22.66% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES | 1 KELLY WAY SPARKS, MD 21152 | FIDELITY SECURITY LIFE INSURANCE | $730 | $182 | $912 | 8.15% |
| GROUP VISION SERVICES MGMT INC3 Filed as: GROUP VISION SERVICE INC | 6700 ALEXANDER BELL DR #200 COLUMBIA, MD 21046 | FIDELITY SECURITY LIFE INSURANCE | $0 | $673 | $673 | 6.01% |
| FIRST AMERICAN ADMINISTRATORS3 | 4000 LUXOTTICA PLACE MASON, OH 45040 | FIDELITY SECURITY LIFE INSURANCE | $0 | $466 | $466 | 4.16% |
| FORREST T JONES AND COMPANY, INC3 Filed as: FORREST T. JONES & COMPANY | 3130 BROADWAY KANSAS CITY, MO 64111 | FIDELITY SECURITY LIFE INSURANCE | $0 | $465 | $465 | 4.15% |
| EPIC3 Filed as: EPIC HEARING SERVICES | 3191 W TEMPLE AVE SUITE 200 POMONA, CA 91768 | FIDELITY SECURITY LIFE INSURANCE | $0 | $93 | $93 | 0.83% |
| RESOLUTION REINSURANCE3 | 4408 FOREST DRIVE SUITE 202 COLUMBIA, SC 29206 | FIDELITY SECURITY LIFE INSURANCE | $0 | $17 | $17 | 0.15% |
| GROUP VISION SERVICES MGMT INC3 Filed as: GROUP VISION SERVICE INC. | 6700 ALEXANDER BELL DR #200 COLUMBIA, MD 21046 | FIDELITY SECURITY LIFE INSURANCE | $0 | $299 | $299 | 8.48% |
| BRIAN M. GOFF3 | ISI OF MARYLAND LLC 170 JENNIFER ROAD SUITE 130 ANNAPOLIS, MD 21401 | FIDELITY SECURITY LIFE INSURANCE | $166 | $0 | $166 | 4.71% |
| FORREST T JONES AND COMPANY, INC3 Filed as: FORREST T. JONES & COMPANY | 3130 BROADWAY KANSAS CITY, MO 64111 | FIDELITY SECURITY LIFE INSURANCE | $0 | $166 | $166 | 4.71% |
| FIRST AMERICAN ADMIN3 | 4000 LUXOTTICA PLACE MASON, OH 60693 | FIDELITY SECURITY LIFE INSURANCE | $0 | $150 | $150 | 4.26% |
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 | 422 | 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) | 423 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 371 | $2.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 266 | $86K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE | 299 | $15K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 422 | $22K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 422 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 422 | — |
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 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.