| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WANADA BUSINESS SERVICES CORP.3 | 5301 WISCONSIN AVENUE NW, 2ND FLOOR WASHINGTON, DC 20015 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $99K | $9K | $108K | 3.27% |
| ALAN J ZUCCARI INC3 Filed as: ALAN J. ZUCCARI, INC. | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $14K | $7K | $22K | 0.65% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $77K | $0 | $77K | 14.41% |
| MADS INSURANCE AGENCY3 Filed as: MADS INSURANCE AGENCY, INC. | 7 STATE CENTER, SUITE 301 ANNAPOLIS, MD 21401 | AMERICAN FIDELITY ASSURANCE COMPANY | $25K | $0 | $25K | 4.67% |
| WANADA BUSINESS SERVICES CORP.3 | 5301 WISCONSIN AVENUE NW, 2ND FLOOR WASHINGTON, DC 20015 | AMERICAN FIDELITY ASSURANCE COMPANY | $134 | $0 | $134 | 0.03% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $9K | $0 | $9K | 145.65% |
| MADS INSURANCE AGENCY3 Filed as: MADS INSURANCE AGENCY, INC. | 7 STATE CENTER, SUITE 301 ANNAPOLIS, MD 21401 | AMERICAN FIDELITY ASSURANCE COMPANY | $289 | $0 | $289 | 4.82% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $5K | $0 | $5K | 422.85% |
| MADS INSURANCE AGENCY3 Filed as: MADS INSURANCE AGENCY, INC. | 7 STATE CENTER, SUITE 301 ANNAPOLIS, MD 21401 | AMERICAN FIDELITY ASSURANCE COMPANY | $56 | $0 | $56 | 5.02% |
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 | 418 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 435 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 569 | $3.8M |
| Vision | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 569 | $3.3M |
| Short-term disability(2 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 319 | $537K |
| Long-term disability(3 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 319 | $543K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 569 | $3.3M |
| Other(3 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 319 | $543K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 569 | — |
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.