| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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. | $57K | $15K | $72K | 5.75% |
| 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. | $30K | — | $30K | 2.39% |
| SCOTT M GOLDEN3 | 8709 BURDETTE ROAD BETHESDA, MD 20817 | AFLAC | $5K | — | $5K | 5.12% |
| THOMAS ASSOCIATES LLC3 | 2801 SCENIC MEADOW STREET WALDORF, MD 20603 | AFLAC | $5K | $452 | $5K | 4.99% |
| JASON ALLAN BARE3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $1K | $108 | $2K | 1.49% |
| MICHAEL C WALKER3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $1K | $108 | $1K | 1.36% |
| KEVIN V THOMAS3 | 2801 SCENIC MEADOW STREET WALDORF, MD 20603 | AFLAC | $1K | $86 | $1K | 1.33% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $971 | — | $971 | 0.94% |
| AUTUMN STROHMAIER3 | 254 CHAPMAN ROAD SUITE 203 NEWARK, DE 19702 | AFLAC | $887 | — | $887 | 0.86% |
| CHRISTINE JONES3 | 4335 ALTA DRIVE APT 3116 SUWANEE, GA 30024 | AFLAC | $218 | — | $218 | 0.21% |
| JUAQUIN E DUFF3 | 9410 STREAM VALLEY LANE CLINTON, MD 20735 | AFLAC | $158 | — | $158 | 0.15% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $119 | — | $119 | 0.12% |
| MICHAEL EDWARD RISKA3 | 203 MARKET STREET SUITE 201 HARVE DE GRACE, MD 21078 | AFLAC | $113 | — | $113 | 0.11% |
| HILARY RADOLEC3 | 4801 FAIRMONT AVENUE APT 713 BETHESDA, MD 20814 | AFLAC | $5 | $11 | $16 | 0.02% |
| JASON D ELLIS3 Filed as: JASON ELLIS | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $11 | — | $11 | 0.01% |
| DALE SHADDOCK3 | 19 CEDARVALE COURT COCKEYSVILLE, MD 21030 | AFLAC | $3 | $7 | $10 | 0.01% |
| JEREMY A FELDMAN3 Filed as: JEREMY FELDMAN | 15324 SWEETBAY STREET WOODBINE, MD 20814 | AFLAC | $5 | $1 | $6 | 0.01% |
| CATHERINE A WHEATLEY3 Filed as: CATHERINE A WHEATLY | 21393 HAWKBIT LEXINGTON PARK, MD 20653 | AFLAC | $6 | — | $6 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 15800 CRABBS BRANCH WAY SUITE 350 ROCKVILLE, MD 208552697 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $2K | $8K | 9.16% |
| BENEFITMALL3 | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21286 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $642 | $3K | 3.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 15800 CRABBS BRANCH WAY SUITE 350 ROCKVILLE, MD 208552697 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $41 | $2K | 4.00% |
| MATHER BENEFIT ADMINISTRATORS, LLC3 Filed as: MATHER BENEFIT ADMINISTRATORS LLC | 10540 YORK ROD COCKEYSVILLE, MD 210302300 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 3.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 601431203 | METROPOLITAN LIFE INSURANCE COMPANY | — | $705 | $705 | 1.28% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HIGHWAY BLDG 2 SUITE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12 | $12 | 0.02% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN LLC | 704 QUINCE ORCHARD ROAD SUITE 200 GAITHERSBURG, MD 20878 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7 | $7 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE FLOOR 14 ITASCA, IL 60143 | VISION SERVICE PLAN | $594 | — | $594 | 6.80% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 4851 LBJ FEEEWAY SUITE 100 DALLAS, TX 75244 | VISION SERVICE PLAN | $175 | — | $175 | 2.00% |
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 | 209 | 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) | 209 | 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 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 264 | $55K |
| Vision | VISION SERVICE PLAN | 87 | $9K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 209 | $187K |
| Short-term disability | AFLAC | 129 | $103K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 209 | $84K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | 221 | $1.3M |
| Other(2 contracts, 2 carriers) | AFLAC | 209 | $187K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.