| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLER-STONEBRAKER INS INC3 Filed as: KELLER STONEBRAKER INSURANCE INC | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $48K | — | $48K | 1.85% |
| KELLER-STONEBRAKER INS INC3 Filed as: KELLER STONEBRAKER INS, INC | 1120-C PROFESSIONAL CT BALTIMORE, MD 21240 | DENTAL SERVICE OF MASSACHUSETTS, INC DBA DELTA DENTAL | $4K | — | $4K | 3.91% |
| KELLER-STONEBRAKER INS INC3 Filed as: KELLER STONEBRAKER | 1120 C PROFESSIONAL CT FREDERICK MD HAGERSTOWN, MD 21740 | EYEMED VISION CARE | $2K | — | $2K | 7.75% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES INSURANCE GROU | 1 KELLY WAY SPARKS, MD 21152 | EYEMED VISION CARE | — | $512 | $512 | 2.46% |
| KELLER-STONEBRAKER INS INC3 | 1120C PROFESSIONAL COURT HAGERSTOWN, MD 21740 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $200 | — | $200 | 10.01% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $60 | $60 | 3.00% |
| KELLER-STONEBRAKER INS INC3 | 1120C PROFESSIONAL COURT HAGERSTOWN, MD 21740 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $137 | — | $137 | 10.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $41 | $41 | 2.99% |
| KELLER-STONEBRAKER INS INC3 | 1120C PROFESSIONAL COURT HAGERSTOWN, MD 21740 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $31 | — | $31 | 10.06% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $9 | $9 | 2.92% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 115 | $2.6M |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC DBA DELTA DENTAL | 359 | $111K |
| Vision | EYEMED VISION CARE | 358 | $21K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $1K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 33 | $308 |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 33 | $2K |
| Other(2 contracts, 2 carriers) | ADVENTIST HEALTHCARE/LIFEWORKS STRATEGIES | 116 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 359 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.