| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLER BENEFIT SERVICES, INC.3 | 7316 WISCONSIN AVENUE, SUITE 400 BETHESDA, MD 20814 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $59K | $59K | 4.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS DBA BENEFITMALL | 354 EISENHOWER PARKWAY LIVINGSTON, NJ 07039 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $30K | $30K | 2.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 414 FALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $4K | $4K | 0.24% |
| KELLER BENEFIT SERVICES, INC.3 | 7316 WISCONSIN AVENUE, SUITE 400 BETHESDA, MD 20814 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 7.08% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS DBA BENEFITMALL | 1133 WESTCHESTER AVENUE WHITE PLAINS, NY 10604 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 5.13% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $767 | — | $767 | 0.60% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS DBA BENEFITMALL | 1133 WESTCHESTER AVE WHITE PLAINS, NY 10604 | UNION SECURITY INSURANCE COMPANY | — | $6K | $6K | 4.99% |
| KELLER BENEFIT SERVICES, INC.3 | 7316 WISCONSIN AVENUE, SUITE 400 BETHESDA, MD 20814 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 2.19% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 0.85% |
| MICHAEL BENDER3 | 1803 RESEARCH BLVD STE 400 ROCKVILLE, MD 20850 | AFLAC | $3K | — | $3K | 9.06% |
| BENJAMIN KLINGER3 | 5503 SPRUCE TREE AVE BETHESDA, MD 20814 | AFLAC | $275 | — | $275 | 0.84% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT MARRIOTTSVILLE, MA 21104 | AFLAC | $201 | — | $201 | 0.61% |
| YVONNE CRISPINO KLINGER3 Filed as: YVONNE KLINGER | 152 ROLLINS AVE SUITE 210 ROCKVILLE, MD 20852 | AFLAC | $157 | — | $157 | 0.48% |
| ROBERT CAVALERI3 | 11350 MOORE DRIVE MANASSAS, VA 20111 | AFLAC | $131 | — | $131 | 0.40% |
| SUSAN S STRICKLAND3 Filed as: SUSAN STRICKLAND | 2194 SUGARLOAF PARKVIEW LANE CLARKSVILLE, MD 20871 | AFLAC | $115 | — | $115 | 0.35% |
| MARK JOHNSTON3 | 124 UNDERKE TERRACE HEDGESVILLE, WV 25427 | AFLAC | $113 | — | $113 | 0.34% |
| KELLER BENEFIT SERVICES, INC.3 | 7316 WISCONSIN AVENUE, SUITE 400 BETHESDA, MD 20814 | VISION SERVICE PLAN | $1K | — | $1K | 4.95% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 103 | $1.5M |
| Dental | UNION SECURITY INSURANCE COMPANY | 98 | $118K |
| Vision | VISION SERVICE PLAN | 86 | $20K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 137 | $128K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 137 | $128K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 137 | $128K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 137 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.