| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANE GROUP | 2850 QUARRY LAKE DRIVE, SUITE 303 BALTIMORE, MD 21209 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $65K | $2K | $67K | 3.39% |
| BENEFITMALL3 Filed as: MATHER AND STROHL DBA BENEFITMALL | 501 FAIRMOUNT AVENUE, SUITE 400 TOWSON, MD 21286 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $7K | $2K | $9K | 0.46% |
| CFA LLC3 Filed as: CFA, LLC | 1501 SOUH CLINTON STREET, 7TH FLOOR BALTIMORE, MD 21224 | USABLE LIFE | $4K | $0 | $4K | 4.37% |
| MATHER & STROHL ADMIN SVCS INC3 Filed as: MATHER AND STROHL ADMIN. SVCS, INC. | UNKNOWN DALLAS, TX 75251 | UNITED CONCORDIA INSURANCE COMPANY | $2K | $2K | $4K | 9.87% |
| MATHER & STROHL ADMIN SVCS INC3 Filed as: MATHER AND STROHL ADMIN. SVCS, INC. | UNKNOWN DALLAS, TX 75251 | UNITED CONCORDIA DENTAL PLANS, INC. | $2K | $2K | $3K | 10.07% |
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 | 370 | 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) | 370 | 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. | 278 | $2.0M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 168 | $72K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 282 | $17K |
| Life insurance | USABLE LIFE | 370 | $99K |
| Short-term disability | USABLE LIFE | 370 | $99K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | 278 | $2.0M |
| Other | USABLE LIFE | 370 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 370 | — |
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.