| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY AND ASSOCIATES INS. GROUP | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $123K | $82K | $205K | 5.88% |
| USI INSURANCE SERVICES LLC5 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $123K | $82K | $205K | 5.88% |
| FMLASOURCE INC5 Filed as: FMLASOURCE, INC | 455 NORTH CITYFRONT PLAZA DRIVE 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $159K | $159K | 4.56% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES INS. GROUP | 1 KELLY WAY SPARKS, MD 21152 | METROPOLITAN LIFE INSURANCE COMPANY | $166K | $95K | $261K | 10.98% |
| DIRECTPATH, LLC3 | UNKNOWN LOUISVILLE, KY 40299 | COMBINED INSURANCE | $699K | $0 | $699K | 58.53% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES INS. GROUP | 1 KELLY WAY SPARKS, MD 21152 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $84K | $0 | $84K | 18.98% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | HEALTHCARE, LLC | $15K | $13K | $28K | 22.20% |
| PAM-AMERICAN BENEFIT SOLUTIONS3 | 1778 NORTH PLANO ROAD, SUITE 310 RICHARDSON, TX 75081 | HEALTHCARE, LLC | $0 | $13K | $13K | 10.10% |
| PAN-AMERICAN LIFE5 | 601 POYDRAS STREET NEW ORLEANS, LA 70130 | HEALTHCARE, LLC | $0 | $10K | $10K | 8.16% |
| RXEDO3 | PO BOX 678586 DALLAS, TX 75267 | HEALTHCARE, LLC | $0 | $213 | $213 | 0.17% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES INS. GROUP | 1 KELLY WAY SPARKS, MD 21152 | MUTUAL OF OMAHA INSURANCE COMPANY | $380 | $0 | $380 | 0.59% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | MUTUAL OF OMAHA INSURANCE COMPANY | $380 | $0 | $380 | 0.59% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY AND ASSOCIATES INS. GROUP | 1 KELLY WAY SPARKS, MD 21152 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $127 | $127 | 0.20% |
| USI INSURANCE SERVICES LLC5 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $127 | $127 | 0.20% |
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 | 9,147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHCARE, LLC | 205 | $128K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 9,031 | $2.4M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 7,681 | $440K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 9,147 | $3.5M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 9,147 | $3.5M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 9,147 | $3.5M |
| Prescription drug | CVS PHARMACY, INC. | 9,147 | $13.3M |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 9,147 | $4.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,147 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.