| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC GROUP BENEFITS LLC3 Filed as: STRATEGIC GROUP BENEFITS, LLC | 6901 ROCKLEDGE DR STE 700 BETHESDA, MD 208171819 | KAISER FOUNDATION HEALTH PLAN, INC. | $24K | — | $24K | 4.89% |
| MATHER BENEFIT ADMINISTRATORS, LLC5 | 10540 YORK ROAD COCKEYSVILLE, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $9K | $36K | 10.47% |
| STRATEGIC GROUP BENEFITS LLC3 | 6901 ROCKLEDGE DRIVE SUITE 700 BETHESDA, MD 20817 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $4K | $110 | $4K | 4.36% |
| BENEFITMALL3 Filed as: MATHER & STROHL DBA BENEFITMALL | 501 FAIRMOUNT AVE SUITE 400 TOWSON, MD 21286 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $2K | — | $2K | 1.70% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVCS | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 752511803 | VISION SERVICE PLAN | $2K | — | $2K | 4.99% |
| STRATEGIC GROUP BENEFITS LLC3 | 6901 ROCKLEDGE DR SUITE 700 BETHESDA, MD 208171819 | VISION SERVICE PLAN | $1K | — | $1K | 4.57% |
| STRATEGIC GROUP BENEFITS LLC3 | 6901 ROCKLEDGE DR STE 500 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $51 | — | $51 | 0.73% |
| BENEFITMALL5 Filed as: BENEFITMALL INC | 501 FAIRMOUNT AVE STE 400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $10 | $10 | 0.14% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE CO. EIN 06-6033492 NONE | Claims processing Service code 12 | — | $170K |
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 | 242 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 302 | $3.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 367 | $342K |
| Vision | VISION SERVICE PLAN | 210 | $32K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 367 | $342K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 367 | $342K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 367 | $342K |
| Prescription drug(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 302 | $3.8M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 367 | $349K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.