| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: GOLDEN & COHEN LLC | 704 QUINCE ORCHARD ROAD SUITE 200 GAITHERSBURG, MD 20878 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $48K | $2K | $50K | 3.61% |
| BENEFITMALL3 Filed as: MATHER & STROHL DBA BENEFITMALL | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21286 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $20K | — | $20K | 1.47% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN LLC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $521 | $7K | 5.87% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN, LLC | 4740 CORRIDOR PLACE SUITE B BETTSVILLE, MD 20705 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $4K | — | $4K | 3.74% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN LLC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 7.83% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN LLC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 11.91% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN LLC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $745 | — | $745 | 7.99% |
| BENEFITMALL3 | 12404 PARK CENTRAL DRIVE SUITE 4005 DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $186 | — | $186 | 2.00% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN LLC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $514 | — | $514 | 7.99% |
| BENEFIT MALL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $129 | — | $129 | 2.01% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN LLC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $462 | — | $462 | 10.20% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN LLC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $108 | — | $108 | 15.04% |
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 | 138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 140 | 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 | 171 | $1.5M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 97 | $242K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 97 | $123K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 113 | $11K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 113 | $21K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 113 | $13K |
| Other(5 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 113 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.