| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITMALL3 Filed as: MATHER & STROHL DBA/BENEFITMALL | 501 FAIRMOUNT AVE SUITE 400 TOWSON, MD 21286 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $44K | — | $44K | 5.98% |
| 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 | $29K | — | $29K | 4.02% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS (NJ) | 4851 LBJ FWY SUITE 100 DALLAS, TX 75244 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $13K | — | $13K | 11.88% |
| 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 | $1K | $6K | 9.23% |
| 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 | $325 | $2K | 11.82% |
| 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 | $307 | $2K | 11.87% |
| 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 | $224 | $1K | 11.92% |
| 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 | — | $2K | 14.66% |
| 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 | $910 | — | $910 | 14.35% |
| 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 | $162 | $32 | $194 | 11.99% |
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 | 352 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 389 | $732K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 202 | $110K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 352 | $12K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 37 | $28K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 352 | $64K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 389 | $732K |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 352 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 389 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.