| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: GOLDEN & COHEN LLC | 704 QUINCE ORCHARD RD C/O STE 200 GAITHERSBURG, MD 20878 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $34K | $17K | $51K | 7.75% |
| NFP INSURANCE SERVICES INC Filed as: NFP MID-ATLANTIC SG LLC | 4740 CORRIDOR PLACE BELTSVILLE, MD 20705 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $22K | — | $22K | 3.32% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN LLC | 704 QUINCE ORCHARD RD C/O STE 200 GAITHERSBURG, MD 20878 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $30 | $19K | 12.43% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $6K | $12K | 8.06% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 4.26% |
| GROUP INSURANCE SERVICES INC3 | PO BOX 901 NAPERVILLE, IL 60566 | METROPOLITAN LIFE INSURANCE COMPANY | — | $542 | $542 | 0.36% |
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 | 256 | 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) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 136 | $655K |
| Vision(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 136 | $806K |
| Life insurance(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 136 | $806K |
| Short-term disability(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 136 | $806K |
| Long-term disability(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 136 | $806K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 107 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.