| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFIT SERVICES3 Filed as: EMPLOYEE BENEFIT SERVICES, INC. | 575 S. CHARLES STREET-STE. 300 BALTIMORE, MD 21201 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $25K | — | $25K | 3.10% |
| COMMERCIAL INSURANCE MANAGERS3 Filed as: COMMERCIAL INSURANCE MANAGERS, INC. | 8170 LARK BROWN ROAD-STE 102 ELKRIDGE, MD 21075 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $13K | — | $13K | 1.60% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES, INC. | 6 NORTH PARK DRIVE-SUITE 310 HUNT VALLEY, MD 21030 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $9K | $23 | $9K | 1.12% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $7K | — | $7K | 0.91% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | UNITED CONCORDIA DENTAL PLANS, INC. | -$2 | $778 | $776 | 4.53% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS | 6 NORTH PARK DRIVE-SUITE 310 HUNT VALLEY, MD 21030 | UNITED CONCORDIA DENTAL PLANS, INC. | — | $574 | $574 | 3.35% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD INC | 575 S. CHARLES STREET-STE. 300 BALTIMORE, MO 21201 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $981 | — | $981 | 10.00% |
| GROUP BENEFIT SERVICES, INC. (GBS)5 Filed as: GROUP BENEFIT SERVICES - TPA | 6 NORTH PARK DRIVE-STE 310 HUNT VALLEY, MD 21030 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $588 | — | $588 | 6.00% |
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 | 101 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 111 | $817K |
| Dental | UNITED CONCORDIA DENTAL PLANS, INC. | 81 | $17K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 68 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111 | — |
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.