| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLER BENEFIT SERVICES, INC.3 | 7316 WISCONSIN AVENUE SUITE 400 BETHESDA, MD 20814 | CAREFIRST BLUECHOICE, GROUP HOSPITALIZATION AND MEDICAL SERVICES, INC. | $46K | $7K | $53K | 4.05% |
| EBCA3 | P.O. BOX 10100 MCLEAN, VA 22102 | CAREFIRST BLUECHOICE, GROUP HOSPITALIZATION AND MEDICAL SERVICES, INC. | — | $12K | $12K | 0.88% |
| KELLER BENEFIT SERVICES, INC.3 | 7316 WISCONSIN AVENUE SUITE 400 BETHESDA, MD 20814 | ANTHEM BCBS | $8K | — | $8K | 2.94% |
| KELLER BENEFIT SERVICES, INC.3 | 7316 WISCONSIN AVENUE SUITE 400 BETHESDA, MD 20814 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.25% |
| KELLER BENEFIT SERVICES, INC.3 | 7316 WISCONSIN AVENUE SUITE 400 BETHESDA, MD 20814 | UNION SECURITY INSURANCE COMPANY | $12K | — | $12K | 13.04% |
| KELLER BENEFIT SERVICES, INC.3 | 7316 WISCONSIN AVENUE SUITE 400 BETHESDA, MD 20814 | VISION SERVICE PLAN | $456 | — | $456 | 10.00% |
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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE, GROUP HOSPITALIZATION AND MEDICAL SERVICES, INC. | 105 | $1.6M |
| Dental(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE, GROUP HOSPITALIZATION AND MEDICAL SERVICES, INC. | 142 | $1.4M |
| Vision(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE, GROUP HOSPITALIZATION AND MEDICAL SERVICES, INC. | 105 | $1.3M |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 177 | $94K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 177 | $94K |
| Prescription drug(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE, GROUP HOSPITALIZATION AND MEDICAL SERVICES, INC. | 105 | $1.6M |
| Other | UNION SECURITY INSURANCE COMPANY | 177 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.