| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLER BENEFIT SERVICES, INC.3 | 7316 WISCONSIN AVENUE, SUITE 400 BETHESDA, MD 20814 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 4.75% |
| PETER JONES3 | 1336 DENNINGS ROAD NEW WINDSOR, MD 21776 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | — | $15K | 20.00% |
| KELLER BENEFIT SERVICES, INC.3 | 7316 WISCONSIN AVENUE, SUITE 400 BETHESDA, MD 20814 | EYEMED VISION CARE, FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 9.88% |
| KELLER BENEFIT SERVICES, INC.3 | 7316 WISCONSIN AVENUE BETHESDA, MD 20814 | AETNA MH NET | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES,INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | 9700 HEALTH CARE LANE MINNETONKA, MN 55343 | $274K |
| KELLER BENEFIT SERVICES, INC. EIN 52-1281722 BROKER | Other commissions Service code 55 | 7316 WISCONSIN AVE SUITE 400 BETHESDA, MD 20814 | $0 |
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 | 387 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 391 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA MH NET | 352 | $8K |
| Vision | EYEMED VISION CARE, FIDELITY SECURITY LIFE INSURANCE COMPANY | 240 | $27K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 133 | $74K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 387 | $115K |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 352 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 387 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.