| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 11350 MCCORMICK ROAD EXECUTIVE PLAZA 3, SUITE 120 HUNT VALLEY, MD 21031 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $55K | $16K | $71K | 3.49% |
| EBCA3 Filed as: EBCA GENERAL AGENCY | 1430 SPRING HILL ROAD, SUITE 320 MCLEAN, VA 22102 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $2K | $0 | $2K | 0.12% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERIVCES LLC | PO BOX 61007 VIRGINA BEACH, VA 23466 | UNITED HEALTHCARE | $5K | $62K | $67K | 8.34% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINA BEACH, VA 23466 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $4K | $1 | $4K | 1.68% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERIVCES LLC | PO BOX 61007 VIRGINA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $28K | $0 | $28K | 15.66% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINA BEACH, VA 63466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 4.67% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $62 | $62 | 0.03% |
| USI INSURANCE SERVICES LLC3 | 4840 COX ROAD, SUITE 150 GLEN ALLEN, VA 23060 | AMERITAS | $8K | — | $8K | 5.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERIVCES LLC | 4605 COLUMBUS STREET VIRGINIA BEACH, VA 23462 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $314 | $4K | 49.47% |
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22 | $0 | $22 | 0.28% |
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 | 594 | 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) | 594 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | 516 | $3.1M |
| Dental(2 contracts, 2 carriers) | UNITED HEALTHCARE | 516 | $961K |
| Vision(2 contracts, 2 carriers) | UNITED HEALTHCARE | 516 | $961K |
| Life insurance(2 contracts, 2 carriers) | UNITED HEALTHCARE | 594 | $981K |
| Short-term disability(2 contracts, 2 carriers) | UNITED HEALTHCARE | 594 | $981K |
| Long-term disability(2 contracts, 2 carriers) | UNITED HEALTHCARE | 594 | $981K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | 516 | $3.1M |
| Other(3 contracts, 3 carriers) | UNITED HEALTHCARE | 594 | $988K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 594 | — |
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.