| 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. | $36K | $2K | $38K | 3.44% |
| 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. | $17K | — | $17K | 1.55% |
| KELLER BENEFIT SERVICES, INC.3 | 7316 WISCONSIN AVENUE, SUITE 400 BETHESDA, MD 20814 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 5.67% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 16.38% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $616 | — | $616 | 4.87% |
| ALFRED J HEALY3 | 811 BETHLEHEM PARK GLENSIDE, PA 19038 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $128 | — | $128 | 1.01% |
| RUST INSURANCE AGENCY LLC3 | 1510 H STREET NW 5TH FLOOR WASHINGTON, DC 20005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $95 | — | $95 | 0.75% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH STREET STE 1100 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $85 | — | $85 | 0.67% |
| KELLER BENEFIT SERVICES, INC.3 | 7315 WISCONSIN AVENUE, SUITE 400 BETHESDA, MD 20814 | VISION BENEFITS OF AMERICA | $329 | — | $329 | 4.57% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | VISION BENEFITS OF AMERICA | $31 | — | $31 | 0.43% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC STATES, INC. | 119 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 133 | $207K |
| Vision | VISION BENEFITS OF AMERICA | 92 | $7K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 133 | $207K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 133 | $220K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 133 | $207K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 133 | $244K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.