| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 806 TYVOLA ROAD, SUITE 108 CHARLOTTE, NC 28217 | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC STATES, INC. | $17K | — | $17K | 0.34% |
| GATOR COMMUNICATIONS GROUP LLC5 Filed as: GATOR COMMUNICATIONS GROUP, LLC | 175 US HIGHWAY 46 WEST FAIRFIELD, NJ 07004 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 0.07% |
| DSI INTERNATIONAL LANGUAGE5 Filed as: DSI INTERNATIONAL LANGUAGE CNSLTS. | PO BOX 236 CHATHAM, NJ 07928 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $415 | $415 | 0.03% |
| HARVARD PRINTING GROUP5 | 175 US HIGHWAY 46 WEST FAIRFIELD, NJ 07004 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $190 | $190 | 0.01% |
| THOMAS E SEARS INC3 Filed as: THOMAS E. SEARS, INC. | 125 HIGH STREET, 5TH FLOOR BOSTON, MA 02110 | FEDERAL INSURANCE COMPANY | $9K | — | $9K | 15.00% |
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 | 2,347 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,378 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC STATES, INC. | 782 | $4.9M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,980 | $1.6M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,980 | $1.6M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC STATES, INC. | 782 | $4.9M |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,347 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,347 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.