| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD INC | 575 SOUTH CHARLES STREET SUITE 300 BALTIMORE, MD 21201 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $55K | $14K | $68K | 3.63% |
| MATHER & STROHL ADMIN SVCS INC3 Filed as: MATHER & STROHL | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21286 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $7K | $0 | $7K | 0.38% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE, SUITE 303 BALTIMORE, MD 21209 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $6K | $0 | $6K | 0.29% |
| CFA LLC3 Filed as: CFA, LLC | 1501 SOUTH CLINTON STREET 7TH FLOOR BALTIMORE, MD 21224 | USABLE LIFE | $4K | $0 | $4K | 4.95% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMINISTRATIVE | UNKNOWN DALLAS, TX 75251 | UNITED CONCORDIA INSURANCE COMPANY | $1K | $3K | $4K | 9.18% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMINISTRATIVE | UNKNOWN DALLAS, TX 75251 | UNITED CONCORDIA DENTAL PLANS, INC. | $1K | $2K | $3K | 9.03% |
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 | 390 | 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) | 390 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | 312 | $1.9M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 169 | $71K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 300 | $15K |
| Life insurance | USABLE LIFE | 390 | $84K |
| Short-term disability | USABLE LIFE | 390 | $84K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | 312 | $1.9M |
| Other | USABLE LIFE | 390 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 390 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.