| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 Filed as: COMPREHENSIVE BENEFITS PLANNING INC | 913 RIDGEBROOK RD SUITE 208 SPARKS, MD 21152 | CAREFIRST OF MARYLAND, INC. | $947 | $103K | $104K | 4.29% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | CAREFIRST OF MARYLAND, INC. | $0 | $31K | $31K | 1.29% |
| DELTA DENTAL OF PENNSYLVANIA3 | 1 DELTA DRIVE MECHANICSBURG, PA 17055 | DELTA DENTAL OF PENNSYLVANIA | $15K | $0 | $15K | 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 | $8K | $2K | $10K | 15.24% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 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 | $3K | $11K | 17.18% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.00% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 Filed as: COMPREHENSIVE BENEFITS PLANNING INC | 913 RIDGEBROOK RD SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $8K | 14.77% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 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 | $5K | $2K | $7K | 16.40% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 Filed as: COMPREHENSIVE BENEFITS PLANNING INC | 913 RIDGEBROOK RD SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $131 | $2K | 21.15% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $574 | $574 | 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 | $2K | $102 | $2K | 21.30% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $393 | $393 | 5.00% |
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 | 222 | 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) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST OF MARYLAND, INC. | 424 | $2.4M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 160 | $154K |
| Vision | CAREFIRST OF MARYLAND, INC. | 424 | $2.4M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 219 | $122K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 219 | $42K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 219 | $62K |
| Prescription drug | CAREFIRST OF MARYLAND, INC. | 424 | $2.4M |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 219 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 424 | — |
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.