| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLER BENEFIT SERVICES, INC.3 Filed as: KELLER BENEFIT SERVICES INC. | 7316 WISCONSIN AVE., SUITE 400 BETHESDA, MD 20814 | AETNA LIFE INSURANCE CO. | $77K | — | $77K | 5.25% |
| KELLER BENEFIT SERVICES, INC.3 Filed as: KELLER BENEFIT SERVICES INC. | 7316 WISCONSIN AVE STE 400 BETHESDA, MD 208142978 | METROPOLITAN LIFE INSURANCE COMPANY | $55K | — | $55K | 12.72% |
| KELLER BENEFIT SERVICES, INC.3 | 7316 WISCONSIN AVE SUITE 400 BETHESDA, MD 20814 | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC STATES, INC. | $9K | — | $9K | 2.68% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE BENEFITS CORPORATION | OF AMERICA 1 PARK WEST CIRCLE SUITE 306-L MIDLOTHIAN, VA 23114 | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC STATES, INC. | $5K | — | $5K | 1.52% |
| KELLER BENEFIT SERVICES, INC.3 Filed as: KELLER BENEFIT SERVICES | 7316 WISCONSIN AVENUE #400 BETHESDA, MD 20814 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $682 | — | $682 | 9.29% |
| KELLER BENEFIT SERVICES, INC.3 Filed as: KELLER BENEFIT SERVICES INC. | 7316 WISCONSIN AVE STE 400 BETHESDA, MD 208142978 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6 | $6 | — |
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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 102 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 152 | $1.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 349 | $434K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 69 | $7K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 349 | $434K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 349 | $434K |
| Other(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 349 | $878K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 349 | — |
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.