| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLER BENEFIT SERVICES, INC.3 | 7316 WISCONSIN AVENUE, SUITE 400 BETHESDA, MD 20814 | CAREFIRST | $61K | $25K | $86K | 2.36% |
| EMPLOYEE BENEFITS CORP OF AMERICA5 | 1410 SPRING HILL ROAD, SUITE 301 MCLEAN, VA 22102 | CAREFIRST | — | $13K | $13K | 0.35% |
| BENEFITMALL5 | 501 FAIRMOUNT AVENUE TOWSON, MD 21286 | CAREFIRST | — | $2K | $2K | 0.05% |
| KELLER BENEFIT SERVICES, INC.3 | 7316 WISCONSIN AVENUE, SUITE 400 BETHESDA, MD 20814 | KAISER PERMANENTE | $10K | — | $10K | 3.41% |
| EBCA3 | 1410 SPRING HILL ROAD MCLEAN, VA 22102 | KAISER PERMANENTE | $4K | — | $4K | 1.35% |
| BENEFITMALL3 | 501 FAIRMOUNT AVENUE TOWSON, MD 21286 | KAISER PERMANENTE | $748 | — | $748 | 0.25% |
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 | 341 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 369 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CAREFIRST | 341 | $4.0M |
| Vision | CAREFIRST | 341 | $3.6M |
| Prescription drug(2 contracts, 2 carriers) | CAREFIRST | 341 | $3.9M |
| Other(2 contracts, 2 carriers) | CAREFIRST | 341 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 341 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.