| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCQUADE CONSULTING LLC3 | 307 INTERNATIONAL CIRCLE SUITE 610 HUNT VALLEY, MD 21030 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $74K | $3K | $77K | 3.71% |
| BENEFITMALL3 Filed as: MATHER & STROHL DBA/BENEFITMALL | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21286 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $48K | — | $48K | 2.32% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMINISTRATIVE SERV | — | UNITED CONCORDIA INSURANCE COMPANY | — | $4K | $4K | 6.64% |
| CFA LLC3 Filed as: CFA, LLC | 1501 SOUTH CLINTON STREET 7TH FLOOR BALTIMORE, MD 21224 | USABLE LIFE | $2K | — | $2K | 4.76% |
| CFA LLC3 Filed as: CFA, LLC | 1501 SOUTH CLINTON STREET 7TH FLOOR BALTIMORE, MD 21224 | USABLE LIFE | $2K | — | $2K | 5.19% |
| BENEFIT MALL3 | 501 FAIRMONT AVENUE TOWSON, MD 21286 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $93 | — | $93 | 0.51% |
| CFA LLC3 | 1501 SOUTH CLINTON STREET 7TH FLOOR BALTIMORE, MD 21224 | USABLE LIFE | $328 | — | $328 | 4.74% |
| CFA LLC3 Filed as: CFA, LLC | 1501 SOUTH CLINTON STREET 7TH FLOOR BALTIMORE, MD 21224 | USABLE LIFE | $209 | — | $209 | 6.50% |
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 | 254 | 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) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 426 | $2.1M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 158 | $56K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 195 | $18K |
| Life insurance(2 contracts) | USABLE LIFE | 443 | $39K |
| Short-term disability | USABLE LIFE | 147 | $37K |
| Other(3 contracts) | USABLE LIFE | 443 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 443 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.