| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 Filed as: COMPREHENSIVE BENEFITS PLANNING INC | 913 RIDGEBROOK RD STE 208 SPARKS, MD 21152 | CAREFIRST OF MARYLAND, INC. | $919 | $104K | $105K | 4.54% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOC INSURANCE GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | CAREFIRST OF MARYLAND, INC. | — | $17K | $17K | 0.72% |
| DELTA DENTAL OF PENNSYLVANIA3 | 1 DELTA DRIVE MECHANICSBURG, PA 17055 | DELTA DENTAL OF PENNSYLVANIA | $14K | — | $14K | 10.00% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 Filed as: COMPREHENSIVE BENEFITS PLANNING INC | 913 RIDGEBROOK RD STE 208 SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $3K | $18K | 21.28% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOC INSURANCE GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 5.01% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 Filed as: COMPREHENSIVE BENEFITS PLANNING INC | 913 RIDGEBROOK RD STE 208 SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $2K | $11K | 19.91% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOC INSURANCE GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 4.99% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 Filed as: COMPREHENSIVE BENEFITS PLANNING INC | 913 RIDGEBROOK RD STE 208 SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $2K | $10K | 21.12% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOC INSURANCE GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 Filed as: COMPREHENSIVE BENEFITS PLANNING INC | 913 RIDGEBROOK RD STE 208 SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $1K | $8K | 17.85% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOC INSURANCE GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 6.35% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 Filed as: COMPREHENSIVE BENEFITS PLANNING INC | 913 RIDGEBROOK RD STE 208 SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $947 | — | $947 | 19.95% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOC INSURANCE GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $237 | $237 | 4.99% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 Filed as: COMPREHENSIVE BENEFITS PLANNING INC | 913 RIDGEBROOK RD STE 208 SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $714 | — | $714 | 20.16% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOC INSURANCE GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $179 | $179 | 5.06% |
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 | 187 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST OF MARYLAND, INC. | 515 | $2.3M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 133 | $135K |
| Vision | CAREFIRST OF MARYLAND, INC. | 515 | $2.3M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 187 | $99K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 187 | $49K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 187 | $84K |
| Prescription drug | CAREFIRST OF MARYLAND, INC. | 515 | $2.3M |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 187 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 515 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.