| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL STREET BOSTON, MA 02110 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $24K | $880 | $24K | 2.69% |
| BENEFITMALL3 Filed as: MATHER & STROHL DBA BENEFITMALL | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21286 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $19K | — | $19K | 2.06% |
| AY BENEFITS LLC3 Filed as: AY BENEFITS, LLC | 7500 OLD GEORGETOWN ROAD SUITE 1225 BETHESDA, MD 20814 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $17K | — | $17K | 1.84% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL STREET BOSTON, MA 02110 | THE DENTAL NETWORK, INC. | $3K | — | $3K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 7500 OLD GEORGETOWN ROAD SUITE 1225 BETHESDA, MD 20814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $55 | $6K | 10.70% |
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 | 189 | 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) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 180 | $912K |
| Dental | THE DENTAL NETWORK, INC. | 159 | $60K |
| Vision | VISION SERVICE PLAN | 28 | $2K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 189 | $52K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 189 | $52K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 180 | $912K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 189 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.