| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP MID-ATLANTIC SG LLC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $9K | $40 | $9K | 0.39% |
| ALTERITY BROKER SOLUTIONS3 Filed as: ALTERITY BROKER SOLUTIONS, INC. | 8777 N GAINEY CENTER DR. SUITE 260 SCOTTSDALE, AZ 85258 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $17K | $25K | 7.25% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1060 BROADWAY SUITE 400 ALBANY, NY 12204 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 2.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20807 | AETNA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 3.88% |
| BROKER NOT PROVIDED3 | — | FIDELITY SECURITY LIFE INSURANCE | $469 | $0 | $469 | 2.16% |
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 | 505 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 513 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 391 | $2.2M |
| Dental | AETNA LIFE INSURANCE COMPANY | 528 | $117K |
| Vision | FIDELITY SECURITY LIFE INSURANCE | 382 | $22K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 555 | $343K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 555 | $343K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 555 | $343K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 555 | $343K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 555 | — |
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.