| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLER BENEFIT SERVICES, INC.3 | 7316 WISCONSIN AVE. SUITE 400 BETHESDA, MD 20814 | AETNA HEALTH, INC. | $30K | — | $30K | 2.03% |
| KELLER BENEFIT SERVICES, INC.3 Filed as: KELLER BENEFIT SERVICES, INC | 7316 WISCONSIN AVE. SUITE 400 BETHESDA, MD 20814 | AETNA LIFE INSURANCE COMPANY | $11K | — | $11K | 2.08% |
| KELLER BENEFIT SERVICES, INC.3 | 7316 WISCONSIN AVE. SUITE 400 BETHESDA, MD 20814 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 2.69% |
| KELLER BENEFIT SERVICES, INC.3 Filed as: KELLER BENEFIT SERVICES | 7316 WISCONSIN AVE. SUITE 400 BETHESDA, MD 20814 | RELIANCE STANDARD LIFE | $4K | — | $4K | 11.17% |
| KELLER BENEFIT SERVICES, INC.3 | 7316 WISCONSIN AVE. SUITE 400 BETHESDA, MD 20814 | RELIANCE STANDARD LIFE | $2K | — | $2K | 8.72% |
| KELLER BENEFIT SERVICES, INC.3 | 7316 WISCONSIN AVE. SUITE 400 BETHESDA, MD 20814 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| KELLER BENEFIT SERVICES, INC.3 | 7316 WISCONSIN AVE. SUITE 400 BETHESDA, MD 20814 | VISION SERVICE PLAN | $625 | — | $625 | 8.34% |
| CENTERSTONE INSURANCE AND FINANCIAL5 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 75251 | VISION SERVICE PLAN | — | $375 | $375 | 5.01% |
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 | 178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 103 | $2.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 157 | $179K |
| Vision | VISION SERVICE PLAN | 44 | $7K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE | 178 | $42K |
| Long-term disability | RELIANCE STANDARD LIFE | 178 | $37K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE | 178 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.