| 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 | $60K | — | $60K | 5.79% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 1.36% |
| KELLER BENEFIT SERVICES, INC.3 | 7316 WISCONSIN AVENUE SUITE 400 BETHESDA, MD 20814 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 0.43% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 1.80% |
| KELLER BENEFIT SERVICES, INC.3 Filed as: KELLER BENEFIT SERVICES, INC., | 7316 WISCONSIN AVE. SUITE 400 BETHESDA, MD 20814 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 0.58% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | DELAWARE AMERICAN INSURANCE COMPANY | $12K | — | $12K | 4.81% |
| WILLIAM COLE3 | 3790 VIA DE LA VALLE SUITE 315E DEL MAR, CA 92014 | DELAWARE AMERICAN INSURANCE COMPANY | $10K | — | $10K | 4.00% |
| KELLER BENEFIT SERVICES, INC.3 Filed as: KELLER BENEFIT SERVICES | 7316 WISCONSIN AVE. SUITE 400 BETHESDA, MD 20814 | DELAWARE AMERICAN INSURANCE COMPANY | $3K | — | $3K | 1.19% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 2.65% |
| KELLER BENEFIT SERVICES, INC.3 | 7316 WISCONSIN AVE. SUITE 400 BETHESDA, MD 20814 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 0.88% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $321 | — | $321 | 8.09% |
| KELLER BENEFIT SERVICES, INC.3 | 7316 WISCONSIN AVE. SUITE 400 BETHESDA, MD 20814 | SUN LIFE ASSURANCE COMPANY OF CANADA | $113 | — | $113 | 2.85% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | $256 | — | $256 | 9.32% |
| KELLER BENEFIT SERVICES, INC.3 | 7316 WISCONSIN AVE. SUITE 400 BETHESDA, MD 20814 | VISION SERVICE PLAN | $21 | — | $21 | 0.76% |
| 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 | 840 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 869 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | DELAWARE AMERICAN INSURANCE COMPANY | 48 | $388K |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 672 | $1.3M |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 672 | $1.0M |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 840 | $600K |
| Short-term disability(4 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 840 | $284K |
| Long-term disability(2 contracts, 2 carriers) | DELAWARE AMERICAN INSURANCE COMPANY | 840 | $433K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 840 | $600K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 840 | — |
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."
No prospect flags tripped on this filing.