| 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 | $48K | $0 | $48K | 2.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 401 BETHESDA, MD 20817 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $0 | $17K | $17K | 0.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP | 6500 ROCK SPRING DRIVE BETHESDA, MD 20817 | AETNA LIFE INSURANCE COMPANY | $0 | $572 | $572 | 0.22% |
| GROUP VISION SERVICES MGMT INC3 Filed as: GROUP VISION SERVICE INC | 6700 ALEXANDER BELL DR #200 COLUMBIA, MD 21046 | FIDELITY SECURITY LIFE INSURANCE | $1K | $0 | $1K | 7.00% |
| FIRST AMERICAN ADMINISTRATORS3 | 4000 LUXOTTICA PLACE MASON, OH 45040 | FIDELITY SECURITY LIFE INSURANCE | $773 | $0 | $773 | 4.50% |
| FORREST T JONES AND COMPANY, INC3 Filed as: FORREST T JONES & CO | 3130 BROADWAY KANSAS CITY, MO 64111 | FIDELITY SECURITY LIFE INSURANCE | $687 | $0 | $687 | 4.00% |
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 | 233 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 29 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 375 | $2.0M |
| Dental | AETNA LIFE INSURANCE COMPANY | 466 | $265K |
| Vision | FIDELITY SECURITY LIFE INSURANCE | 287 | $17K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 466 | $265K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 466 | $265K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 466 | $265K |
| Other | AETNA LIFE INSURANCE COMPANY | 466 | $265K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 466 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.