| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLER BENEFIT SERVICES, INC.3 | 7316 WISCONSIN AVENUE, SUITE 400 BETHESDA, MD 20814 | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC STATES, INC. | $32K | $4K | $36K | 4.68% |
| EMPLOYEE BENEFITS CORP OF AMERICA3 Filed as: EMPLOYEE BENEFITS CORPORATION OF AM | 1 PARK WEST CIRCLE, SUITE 306-L MIDLOTHIAN, VA 23114 | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC STATES, INC. | $9K | — | $9K | 1.20% |
| KELLER BENEFIT SERVICES, INC.3 | 7316 WISCONSIN AVENUE, SUITE 400 BETHESDA, MD 20814 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 6.68% |
| KELLER BENEFIT SERVICES, INC.3 | 7316 WISCONSIN AVENUE, SUITE 400 BETHESDA, MD 20814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 16.69% |
| ALFRED J HEALY3 | 811 BETHLEHEM PARK GLENSIDE, PA 19038 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $205 | — | $205 | 1.59% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $136 | — | $136 | 1.06% |
| RUST INSURANCE AGENCY LLC3 | 1510 H STREET NW 5TH FLOOR WASHINGTON, DC 20005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $134 | — | $134 | 1.04% |
| KELLER BENEFIT SERVICES, INC.3 | 7315 WISCONSIN AVENUE, SUITE 400 BETHESDA, MD 20814 | VISION BENEFITS OF AMERICA | $313 | — | $313 | 5.03% |
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 | 95 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC STATES, INC. | 93 | $772K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 94 | $158K |
| Vision | VISION BENEFITS OF AMERICA | 77 | $6K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 94 | $158K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 94 | $171K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 94 | $158K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 104 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104 | — |
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."
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.