| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $60K | $25K | $85K | 4.91% |
| MATHER & STROHL ADMIN SVCS INC3 Filed as: MATHER AND STROHL | 501 FAIRMOUNT AVENUE, SUITE 400 TOWSON, MD 21286 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $19K | $0 | $19K | 1.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $9K | 6.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 15800 CRABBS BRANCH WAY, SUITE 350 ROCKVILLE, MD 20855 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 5.49% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FIN. SVCS. INC | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 4.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV. | 12647 ALCOSTA BOULEVARD, SUITE 330 SAN RAMON, CA 94583 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 1.34% |
| THOMAS ASSOCIATES LLC3 | 2801 SCENIC MEADOW STREET WALDORF, MD 20603 | AFLAC | $4K | $126 | $4K | 3.52% |
| AUTUMN STROHMAIER3 Filed as: AUTUMN STROHMAIER AND OTHER AGENTS | 16 COLORA SCHOOL ROAD COLORA, MD 21917 | AFLAC | $3K | $24 | $3K | 2.79% |
| ENROLLEASE3 Filed as: GOLDEN AND COHEN LLC | 6500 ROCK SPRING DRIVE, SUITE 500 BETHESDA, MD 20817 | AFLAC | $2K | $0 | $2K | 2.21% |
| MICHAEL C WALKER3 Filed as: MICHAEL C. WALKER | 203 MARKET STREET, SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $1K | $34 | $1K | 1.08% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET, SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $1K | $0 | $1K | 1.06% |
| REGINALD D. BOONE3 | 3822 PARK LANE DRIVE ROCKVILLE, MD 20853 | AFLAC | $607 | $0 | $607 | 0.58% |
| JASON D ELLIS3 Filed as: JASON D. ELLIS | 203 MARKET STREET, SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $577 | $29 | $606 | 0.58% |
| MATHER BENEFIT ADMINISTRATORS, LLC5 | 10540 YORK ROAD COCKEYSVILLE, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $3K | $9K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, MD 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 702 KING FARM BOULEVARD SUITE 210 ROCKVILLE, MD 20850 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $54 | $54 | 0.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1 | $1 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $1K | $0 | $1K | 7.25% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FIN. SVCS. INC | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 75251 | VISION SERVICE PLAN | $341 | $0 | $341 | 1.81% |
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 | 355 | 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) | 355 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 253 | $1.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 312 | $86K |
| Vision | VISION SERVICE PLAN | 125 | $19K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 355 | $145K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 295 | $145K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 253 | $1.7M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 355 | $250K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 355 | — |
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.