| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $39K | $4K | $43K | 3.95% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER AND STROHL ADMIN. SERVICES | 501 FAIRMONT AVENUE, SUITE 400 TOWSON, MD 21284 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $19K | $0 | $19K | 1.74% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $3K | $13K | 16.79% |
| JAY E. BLACK3 | 1400 MIDHURST COURT BEL AIR, MD 21014 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 6.26% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 4.19% |
| SONIA A VIDAL-AWBREY3 Filed as: SONIA A. VIDAL-AWBREY | 8181 CARNEGIE HALL COURT VIENNA, VA 22180 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $779 | $0 | $779 | 1.04% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC NETWORK, INC. | $2K | $1K | $4K | 5.40% |
| MATHER & STROHL ADMIN SVC INC5 Filed as: MATHER AND STROHL ADMIN. SERVICES | 501 FAIRMONT AVENUE, SUITE 400 TOWSON, MD 21284 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC NETWORK, INC. | $0 | $2K | $2K | 2.68% |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 179 | $1.1M |
| Dental | GROUP HOSPITALIZATION MEDICAL SERVICES, INC NETWORK, INC. | 199 | $69K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 109 | $75K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 109 | $75K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 109 | $75K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 179 | $1.1M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 109 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.