| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: LAYLINE RISK MANAGEMENT PARTNERS | 3700 KOPPERS STREET SUITE 510 BALTIMORE, MD 21227 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $114K | $114K | 4.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: LAYLINE RISK MNGMT PARTNERS LLC | 3700 KOPPERS STREET SUITE 510 BALTIMORE, MD 21227 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | — | $10K | 5.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: LAYLINE RISK MGMT PARTNERS LLC | 3700 KOPPERS STREET SUITE 510 BALTIMORE, MD 21227 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | — | $12K | 10.65% |
| KELLER-STONEBRAKER INS INC3 | 1120 PROFESSIONAL COURT SUITE C HAGERSTOWN, MD 21740 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.35% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: LAYLINE RISK MGMT PARTNERS LLC | 3700 KOPPERS STREET SUITE 510 BALTIMORE, MD 21227 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 11.02% |
| KELLER-STONEBRAKER INS INC3 | 1120 PROFESSIONAL COURT SUITE C HAGERSTOWN, MD 21740 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $610 | — | $610 | 0.98% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: LAYLINE RISK MANAGEMENT PARTNERS | 3700 KOPPERS STREET SUITE 510 BALTIMORE, MD 21227 | VISION SERVICE PLAN | $2K | — | $2K | 4.42% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: LAYLINE RISK MANAGEMENT PARTNERS | 3700 KOPPERS STREET SUITE 510 BALTIMORE, MD 21227 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.99% |
| KELLER-STONEBRAKER INS INC3 | 1120 PROFESSIONAL COURT SUITE C HAGERSTOWN, MD 21227 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $375 | — | $375 | 1.01% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: LAYLINE RISK MANAGEMENT PARTNERS LL | 3700 KOPPERS STREET SUITE 510 BALTIMORE, MD 21227 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 11.29% |
| KELLER-STONEBRAKER INS INC3 | 1120 PROFESSIONAL COURT SUITE C HAGERSTOWN, MD 21740 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $186 | — | $186 | 0.72% |
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 | 565 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 587 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 321 | $2.9M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 324 | $197K |
| Vision | VISION SERVICE PLAN | 270 | $47K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 562 | $99K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 256 | $109K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 296 | $26K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 562 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 562 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.