| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCQUADE CONSULTING LLC3 | 720 SOUTH MONTFORD AVENUE BALTIMORE, MD 21224 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $80K | $10K | $90K | 3.90% |
| BENEFITMALL3 Filed as: MATHER & STROHL DBA/BENEFITMALL | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21286 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $53K | — | $53K | 2.30% |
| CFA LLC3 | 1501 SOUTH CLINTON STREET 7TH FLOOR BALTIMORE, MD 21224 | USABLE LIFE | $4K | — | $4K | 4.89% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMINISTRATIVE SERV | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21286 | UNITED CONCORDIA INSURANCE COMPANY | — | $5K | $5K | 7.63% |
| MCQUADE CONSULTING LLC3 | 720 SOUTH MONTFORD AVENUE SUITE 1200 BALTIMORE, MD 21224 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $630 | — | $630 | 2.51% |
| BENEFIT MALL3 | 501 FAIRMONT AVENUE TOWSON, MD 21286 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $349 | — | $349 | 1.39% |
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 | 435 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 435 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 480 | $2.3M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 183 | $71K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 211 | $25K |
| Life insurance | USABLE LIFE | 462 | $90K |
| Short-term disability | USABLE LIFE | 462 | $90K |
| Other | USABLE LIFE | 462 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 480 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.