| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $12 | $24K | 5.39% |
| KELLER BENEFIT SERVICES, INC.3 Filed as: KELLER BENEFIT SERVICES INC. | 7316 WISCONSIN AVE SUITE 400 BETHESDA, MD 20814 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | — | $19K | 4.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | PO BOX 13784 NEWARK, NJ 07188 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $1K | $16K | 3.57% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.31% |
| KELLER BENEFIT SERVICES, INC.3 | 7316 WISCONSIN AVE SUITE 400 BETHESDA, MD 20814 | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC | $5K | $132 | $5K | 1.21% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE BENEFITS CORPORATION | OF AMERICA 1410 SPRING HILL RD SUITE 150 MCLEAN, VA 22102 | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC | $4K | — | $4K | 0.99% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC | $4K | — | $4K | 0.95% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC. | PO BOX 13784 NEWARK, NJ 07188 | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC | $750 | $38 | $788 | 0.20% |
| ENROLLEASE3 Filed as: ONE DIGITAL-ATLANTA, GA | ATTN ACCOUNT MANANGER UNKNOWN ATLANTA, GA 30339 | EYEMED VISON CARE ON B/O THE FIDELITY SECUITY LIFE INS. CO. | $413 | — | $413 | 5.08% |
| KELLER BENEFIT SERVICES, INC.3 Filed as: KELLER BENEFIT SERVICES | 7316 WISCONSIN AVENUE #400 BETHESDA, MD 20814 | EYEMED VISON CARE ON B/O THE FIDELITY SECUITY LIFE INS. CO. | $261 | — | $261 | 3.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON-POTOMAC, MD | 12505 PARK POTOMAC AVENUE POTOMAC, MD 20854 | EYEMED VISON CARE ON B/O THE FIDELITY SECUITY LIFE INS. CO. | $201 | — | $201 | 2.47% |
| KELLER BENEFIT SERVICES, INC.3 Filed as: KELLER BENEFIT SERVICES INC | 7316 WISCONSIN AVE STE 400 BETHESDA, MD 20814 | METROPOLITAN LIFE INSURANCE COMPANY | $634 | — | $634 | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | PO BOX 13784 NEWARK, NJ 07188 | METROPOLITAN LIFE INSURANCE COMPANY | — | $61 | $61 | 1.44% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12 | $12 | 0.28% |
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 | 110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 107 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 150 | $2.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 351 | $442K |
| Vision | EYEMED VISON CARE ON B/O THE FIDELITY SECUITY LIFE INS. CO. | 93 | $8K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 351 | $442K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 351 | $442K |
| Prescription drug(2 contracts) | AETNA LIFE INSURANCE CO. | 27 | $119K |
| Other(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 351 | $978K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 351 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.