| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | WORLD TRADE CENTER 101 W. MAIN STREET, STE 900 NORFOLK, VA 23510 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $25K | $13K | $38K | 4.24% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC. | P.O. BOX 13784 NEWARK, NJ 07188 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $19K | $0 | $19K | 2.13% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP, INC. | 1 KELLY WAY SPARKS, MD 21152 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $14K | $0 | $14K | 1.59% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MD | 303 INTERNATIONAL CIRCLE HUNT VALLEY, MD 21030 | AETNA LIFE INSURANCE COMPANY | $21K | $0 | $21K | 2.90% |
| USI INSURANCE SERVICES LLC3 | 300 E. MAIN STREET, STE 1300 NORFOLK, VA 23510 | AETNA LIFE INSURANCE COMPANY | $14K | $0 | $14K | 1.87% |
| THE BOON INSURANCE AGENCY3 | 6300 BRIDGEPOINT PARKWAY AUSTIN, TX 78730 | AETNA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 1.04% |
| THE BOON INSURANCE AGENCY3 | 6300 BRIDGEPOINT PARKWAY AUSTIN, TX 78730 | TRANSAMERICA LIFE INSURANCE COMPANY | $12K | $0 | $12K | 9.93% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MD | 303 INTERNATIONAL CIRCLE HUNT VALLEY, MD 21030 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.47% |
| USI INSURANCE SERVICES LLC3 | 300 E. MAIN STREET, STE 1300 NORFOLK, VA 23510 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILIS INS SERVICES OF GA, INC. | 1 GLENLAKE PKWY, 11TH FL ATLANTA, GA 30328 | HUMANADENTAL INSURANCE COMPANY | $780 | $7 | $787 | 2.76% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC. | P.O. BOX 13784 NEWARK, NJ 07188 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 8.51% |
| USI INSURANCE SERVICES LLC3 | 4840 COX ROAD, STE 150 GLEN ALLEN, VA 23060 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 6.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC. | P.O. BOX 13784 NEWARK, NJ 07188 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 8.59% |
| USI INSURANCE SERVICES LLC3 | 4840 COX ROAD, STE 150 GLEN ALLEN, VA 23060 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 6.41% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS HRH | 225 SHILLING CIRCLE, STE 150 HUNT VALLEY, MD 21031 | EYEMED VISION CARE | $582 | $0 | $582 | 4.86% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 61007 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE | $500 | $0 | $500 | 4.18% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC. | 225 SCHILLING CIRCLE, STE 150 HUNT VALLEY, MD 21031 | HUMANA | $182 | $8 | $190 | 2.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC. | P.O. BOX 13784 NEWARK, NJ 07188 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $553 | $0 | $553 | 8.66% |
| USI INSURANCE SERVICES LLC3 | 4840 COX ROAD, STE 150 GLEN ALLEN, VA 23060 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $406 | $0 | $406 | 6.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BOON ADMINISTRATIVE SERVICES EIN 33-0449333 NONE | Direct payment from the plan; Claims processing; Other insurance fees and expenses; Contract Administrator Service code 12 | — | $127K |
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 | 383 | 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) | 385 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 154 | $1.6M |
| Dental(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 144 | $774K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 153 | $750K |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 186 | $142K |
| Short-term disability(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 152 | $147K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 87 | $6K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 186 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.
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.