| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 11350 MCCORMICK ROAD EXECUTIVE PLAZA III, SUITE 120 HUNT VALLEY, MD 21031 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $25K | $5K | $30K | 4.25% |
| EMPLOYEE BENEFITS CORP OF AMERICA3 | 1410 SPRING HILL ROAD SUITE 150 MCLEAN, VA 22102 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $12K | — | $12K | 1.66% |
| KELLY BENEFITS3 Filed as: KELLY BENEFITS,INC. | 810 E. COLLEGE PKWY ANNAPOLIS, MD 21409 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $4K | $979 | $5K | 0.78% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 234661007 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 5.46% |
| KELLY BENEFITS3 Filed as: KELLY BENEFITS INC. | 810 E. COLLEGE PKWY ANNAPOLIS, MD 214095629 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.56% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SVCS LLC TAMPA REGION | 200 SUMMIT LAKE DRIVE SUITE 350 VALHALLA, NY 10595 | ADVANTICA INSURANCE COMPANY | $746 | — | $746 | 10.25% |
| KELLY BENEFITS3 Filed as: KELLY BENEFITS INC. | 80 EAST COLLEGE PKWY ANNAPOLIS, MD 21409 | ADVANTICA INSURANCE COMPANY | $193 | — | $193 | 2.65% |
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 | 134 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 93 | $701K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 182 | $87K |
| Vision | ADVANTICA INSURANCE COMPANY | 84 | $7K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 182 | $87K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 182 | $87K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 182 | $87K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 93 | $701K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 182 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.