| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES, INC. | 215 WASHINGTON AVENUE SUITE 400 TOWSON, MD 21204 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $80K | $16K | $95K | 4.26% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES INC | 215 WASHINGTON AVENUE SUITE 400 TOWSON, MD 21204 | UNITEDHEALTHCARE INSURANCE COMPANY | $853 | -$32 | $821 | 0.71% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES CORPORATION | 215 WASHINGTON AVENUE SUITE 400 TOWSON, MD 21204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | — | $15K | 15.00% |
| NFP INSURANCE SERVICES INC3 | BUILDING 2 SUITE 125 1250 SOUTH CAPITAL OF TEXAS HIGHWAY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $571 | $571 | 0.58% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES CORPORATION | 215 WASHINGTON AVENUE SUITE 400 TOWSON, MD 21204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 14.00% |
| NFP INSURANCE SERVICES INC3 | BUILDING 2 SUITE 125 1250 SOUTH CAPITAL OF TEXAS HIGHWAY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $442 | $442 | 0.56% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES CORPORATION | 215 WASHINGTON AVENUE SUITE 400 TOWSON, MD 21204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| BENEFLEX, INC.3 Filed as: BENEFLEX INC DBA CLARITY BENEFIT | 77 BRANT AVE SUITE 206 CLARK, NJ 07066 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 8.88% |
| NFP INSURANCE SERVICES INC3 | BUILDING 2 SUITE 125 1250 SOUTH CAPITAL OF TEXAS HIGHWAY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $400 | $400 | 0.63% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES CORPORATION | 215 WASHINGTON AVENUE SUITE 400 TOWSON, MD 21204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 13.00% |
| NFP INSURANCE SERVICES INC3 | BUILDING 2 SUITE 125 1250 SOUTH CAPITAL OF TEXAS HIGHWAY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $221 | $221 | 0.67% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES CORPORATION | 215 WASHINGTON AVENUE SUITE 400 TOWSON, MD 21204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $393 | — | $393 | 13.01% |
| NFP INSURANCE SERVICES INC3 | BUILDING 2 SUITE 125 1250 SOUTH CAPITAL OF TEXAS HIGHWAY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $20 | $20 | 0.66% |
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 | 529 | 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) | 529 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | 248 | $2.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 435 | $115K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 435 | $115K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 560 | $97K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 173 | $99K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 559 | $78K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 121 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 560 | — |
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."
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.