| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE INSURANCE EXCHANGE INC3 | 9713 KEY WEST AVENUE SUITE 401 ROCKVILLE, MD 20850 | KAISER FOUNDATION HEALTH PLAN | $68K | $17K | $85K | 5.64% |
| EMPLOYEE BENEFITS CORP OF AMERICA3 | 1410 SPRING HILL ROAD SUITE 150 MCLEAN, VA 22102 | KAISER FOUNDATION HEALTH PLAN | $24K | — | $24K | 1.60% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE SUITE 50 FAIRFAX, VA 220308621 | KAISER FOUNDATION HEALTH PLAN | $12K | — | $12K | 0.79% |
| THE INSURANCE EXCHANGE INC3 | 9713 KEY WEST AVENUE SUITE 401 ROCKVILLE, MD 20850 | GUARDIAN | $4K | $2K | $6K | 10.37% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 1105 NORTH MARKET STREET SUITE 1300 WILMINGTON, DE 19801 | GUARDIAN | $93 | — | $93 | 0.16% |
| MJ INSURANCE3 Filed as: THE INSUANCE EXCHANGE INC | 9713 KEY WEST AVENUE SUITE 401 ROCKVILLE, MD 20850 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| THE INSURANCE EXCHANGE INC3 | 9713 KEY WEST AVENUE SUITE 401 ROCKVILLE, MD 20850 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.82% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.18% |
| THE INSURANCE EXCHANGE INC3 | 9713 KEY WEST AVENUE SUITE 401 ROCKVILLE, MD 20850 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| THE INSURANCE EXCHANGE INC3 | 9713 KEY WEST AVENUE SUITE 401 ROCKVILLE, MD 20850 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.73% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.27% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $312 | $5K | 12.67% |
| THE INSURANCE EXCHANGE INC3 | 9713 KEY WEST AVENUE SUITE 401 ROCKVILLE, MD 20850 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $139 | $3K | 6.25% |
| THE INSURANCE EXCHANGE INC3 | 9713 KEY WEST AVENUE SUITE 401 ROCKVILLE, MD 20850 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $77 | $3K | 10.00% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 6830 COCHRAN ROAD SOLON, OH 44139 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $7 | $7 | 0.02% |
| THE INSURANCE EXCHANGE INC3 | 9713 KEY WEST AVENUE SUITE 401 ROCKVILLE, MD 20850 | DOMINION NATIONAL | $259 | — | $259 | 6.87% |
| HAMILTON INSURANCE AGENCY3 | 4100 MONUMENT CORNER DRIVE STE 500 FAIRFAX, VA 22030 | DOMINION NATIONAL | $151 | — | $151 | 4.01% |
| THE INSURANCE EXCHANGE INC3 | 9713 KEY WEST AVENUE SUITE 401 ROCKVILLE, MD 20850 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $194 | — | $194 | 5.72% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $145 | — | $145 | 4.27% |
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 | 413 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 413 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | GUARDIAN | 134 | $62K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 407 | $43K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 92 | $42K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 407 | $50K |
| Other(5 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 407 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 407 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.