| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $57K | $23K | $80K | 5.73% |
| BENEFITMALL3 Filed as: MATHER & STROHL DBA/BENEFITMALL | 501 FAIRMOUNT AVE SUITE 400 TOWSON, MD 21286 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $42K | — | $42K | 3.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 15800 CRABBS BRANCH WAY SUITE 350 ROCKVILLE, MD 20855 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $935 | $6K | 9.43% |
| BENEFIT MALL3 | 501 FAIRMOUNT AVE SUITE 400 TOWSON, MD 21284 | DENTAQUEST | $5K | — | $5K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 15800 CRABBS BRANCH WAY SUITE 350 ROCKVILLE, MD 20855 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $571 | $3K | 19.27% |
| GALLAGHER BENEFIT SERVICES, INC.6 Filed as: GALLAGHER BENEFIT SERVICE | 15800 CRABBS BRANCH WAY SUITE 350 ROCKVILLE, MD 20855 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $618 | $3K | 20.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 15800 CRABBS BRANCH WAY SUITE 350 ROCKVILLE, MD 20855 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $187 | $1K | 11.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 15800 CRABBS BRANCH WAY SUITE 350 ROCKVILLE, MD 20855 | CIGNA GROUP INSURANCE | $1K | — | $1K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 15800 CRABBS BRANCH WAY SUITE 350 ROCKVILLE, MD 20855 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $921 | — | $921 | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 15800 CRABBS BRANCH WAY SUITE 350 ROCKVILLE, MD 20855 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $159 | $26 | $185 | 11.61% |
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 | 326 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 330 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 412 | $1.4M |
| Dental(2 contracts, 2 carriers) | DOMINION NATIONAL | 452 | $128K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 316 | $11K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 32 | $24K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 316 | $61K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 412 | $1.4M |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 316 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 452 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.