| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLER BENEFIT SERVICES, INC.3 | 7316 WISCONSIN AVE. SUITE 400 BETHESDA, MD 20814 | UNITEDHEALTHCARE INSURANCE COMPANY | $138K | $83K | $222K | 3.84% |
| KELLER BENEFIT SERVICES, INC.3 | 7316 WISCONSIN AVENUE SUITE 400 BETHESDA, MD 20814 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 1.47% |
| KELLER BENEFIT SERVICES, INC.3 | 7316 WISCONSIN AVENUE SUITE 400 BETHESDA, MD 20814 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 1.87% |
| KELLER BENEFIT SERVICES, INC.3 Filed as: KELLER BENEFIT SERVICES | 7316 WISCONSIN AVE. SUITE 400 BETHESDA, MD 20814 | DELAWARE AMERICAN INSURANCE COMPANY | $14K | — | $14K | 6.35% |
| WILLIAM COLE3 | 4218 CORTE FAMOSA SAN DIEGO, CA 92130 | DELAWARE AMERICAN INSURANCE COMPANY | $9K | — | $9K | 4.23% |
| KELLER BENEFIT SERVICES, INC.3 | 7316 WISCONSIN AVENUE SUITE 400 BETHESDA, MD 20814 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 4.97% |
| KELLER BENEFIT SERVICES, INC.3 | 7316 WISCONSIN AVE. SUITE 400 BETHESDA, MD 20814 | VISION SERVICE PLAN | $646 | — | $646 | 8.15% |
| KELLER BENEFIT SERVICES, INC.3 | 7316 WISCONSIN AVENUE SUITE 400 BETHESDA, MD 20814 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | — | $0 | 0.00% |
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 | 1,558 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,573 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,361 | $6.3M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,361 | $6.0M |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,361 | $5.8M |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,558 | $613K |
| Short-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,463 | $340K |
| Long-term disability(2 contracts, 2 carriers) | DELAWARE AMERICAN INSURANCE COMPANY | 1,558 | $319K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,361 | $5.8M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,558 | $613K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,558 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.