| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VADA BENEFITS & INSURANCE3 | P.O. BOX 5407 RICHMOND, VA 23220 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $34K | $2K | $36K | 6.06% |
| EMPLOYEE BENEFITS CORP OF AMERICA3 | 1410 SPRING HILL ROAD SUITE 150 MCLEAN, VA 22102 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $20K | — | $20K | 3.29% |
| KELLER BENEFIT SERVICES, INC.3 Filed as: KELLER BENEFIT SERVICES | 7316 WISCONSIN AVENUE SUITE 400 BETHESDA, MD 20814 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.08% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 Filed as: VIRGINIA AUTOMOBILE DEALER | 1800 W GRACE STREET PO BOX 5407 RICHMOND, VA 23220 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $101 | — | $101 | 0.19% |
| FINANCIAL BALANCE GROUP LLC3 | 1355 PICARD DR S380 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14 | — | $14 | 0.03% |
| L3 ADVISORY, LLC3 Filed as: L3 ADVISORY LLC | 7101 WISCONSIN AVENUE BETHESDA, MD 20814 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1 | — | $1 | 0.00% |
| KELLER BENEFIT SERVICES, INC.3 Filed as: KELLER BENEFIT SERVICES INC | 7316 WISCONSIN AVE STE 400 BETHESDA, MD 208142978 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 15.14% |
| VA AUTOMOBILE DLRS SVCS3 Filed as: VA AUTOMOBILE DEALERS SVCS INC | PO BOX 5407 RICHMOND, VA 23220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $277 | — | $277 | 1.38% |
| KELLER BENEFIT SERVICES, INC.3 Filed as: KELLER BENEFIT SERVICES INC | 7316 WISCONSIN AVE ST 400 BETHESDA, MD 208142971 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $4K | 17.84% |
| VA AUTOMOBILE DLRS SVCS3 Filed as: VA AUTOMOBILE DEALERS SVCS INC | PO BOX 5407 RICHMOND, VA 23220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $409 | — | $409 | 2.08% |
| KELLER BENEFIT SERVICES, INC.3 Filed as: KELLER BENEFIT SERVICES INC | 7316 WISCONSIN AVE STE 400 BETHESDA, MD 208142978 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $675 | $2K | 19.00% |
| VA AUTOMOBILE DLRS SVCS3 Filed as: VA AUTOMOBILE DEALERS SVCS INC | PO BOX 5407 RICHMOND, VA 23220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $248 | — | $248 | 2.32% |
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 | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 135 | $594K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 75 | $54K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 20 | $11K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 35 | $20K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 37 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.