| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INDEPENDENT BENEFIT SERVICES3 | 15800 CRABBS BRANCH WAY SUITE 350 ROCKVILLE, MD 208552697 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $27K | $4K | $31K | 1.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $25K | — | $25K | 1.51% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ M.T. DONAHOLE & ASSOCIATES LLC | 9755 PATUXENT WOODS DRIVE SUITE 250 COLUMBIA, MD 21046 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $10K | — | $10K | 0.60% |
| THOMAS ASSOCIATES LLC3 | 2801 SCENIC MEADOW STREET WALDORF, MD 20603 | AFLAC | $5K | $323 | $5K | 5.16% |
| SCOTT M GOLDEN3 | 8709 BURDETTE ROAD BETHESDA, MD 20817 | AFLAC | $3K | — | $3K | 3.31% |
| SCOTT M GOLDEN3 | 8709 BURDETTE ROAD BETHESDA, MD 20817 | AFLAC | $2K | — | $2K | 2.46% |
| KEVIN V THOMAS3 | 2801 SCENIC MEADOW STREET WALDORF, MD 20603 | AFLAC | $2K | — | $2K | 1.59% |
| JASON ALLAN BARE3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $1K | $65 | $2K | 1.49% |
| MICHAEL C WALKER3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $1K | $64 | $1K | 1.41% |
| AUTUMN STROHMAIER3 | 254 CHAPMAN ROAD SUITE 203 NEWARK, DE 19702 | AFLAC | $1K | — | $1K | 1.02% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $893 | — | $893 | 0.88% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $265 | $35 | $300 | 0.30% |
| CHRISTINE JONES3 | 4335 ALTA DRIVE APT 3116 SUWANEE, GA 30024 | AFLAC | $219 | — | $219 | 0.22% |
| MICHAEL EDWARD RISKA3 | 203 MARKET STREET SUITE 201 HARVE DE GRACE, MD 21078 | AFLAC | $171 | — | $171 | 0.17% |
| JUAQUIN E DUFF3 | 9410 STREAM VALLEY LANE CLINTON, MD 20735 | AFLAC | $167 | — | $167 | 0.16% |
| MARY M MCAUSLAND3 | 8121 ELIZABETH ROAD PASADENA, MD 21122 | AFLAC | $28 | — | $28 | 0.03% |
| RICHARD F HIRSCH3 | 1929 BANK STREET BALTIMORE, MD 21231 | AFLAC | $13 | — | $13 | 0.01% |
| CATHERINE A WHEATLEY3 Filed as: CATHERINE A WHEATLY | 21393 HAWKBIT LEXINGTON PARK, MD 20653 | AFLAC | $6 | — | $6 | 0.01% |
| INDEPENDENT BENEFIT SERVICES3 | 15800 CRABBS BRANCH WAY SUITE 350 ROCKVILLE, MD 208552697 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 6.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 15800 CRABBS BRANCH WAY SUITE 350 ROCKVILLE, MD 208552697 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 3.35% |
| INDEPENDENT BENEFIT SERVICES3 Filed as: INDEPENDENT BENEFIT SERVICES, INC. | 15800 CRABBS BRANCH WAY SUITE 350 ROCKVILLE, MD 208552697 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $395 | $2K | 2.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 601431203 | METROPOLITAN LIFE INSURANCE COMPANY | — | $771 | $771 | 1.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE ITASCA, IL 60143 | VISION SERVICE PLAN | $415 | — | $415 | 4.13% |
| INDEPENDENT BENEFIT SERVICES3 | 15800 CRABBS BRANCH WAY SUITE 350 DERWOOD, MD 20855 | VISION SERVICE PLAN | $337 | — | $337 | 3.35% |
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 | 222 | 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) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | 221 | $1.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 242 | $77K |
| Vision | VISION SERVICE PLAN | 81 | $10K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 222 | $191K |
| Short-term disability | AFLAC | 102 | $102K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 222 | $90K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | 221 | $1.6M |
| Other(2 contracts, 2 carriers) | AFLAC | 222 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.