| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD | 575 S CHARLES STREET-STE 300 BALTIMORE, MD 21201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $26K | — | $26K | 6.26% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $17K | $17K | 4.14% |
| HODGE HART & SCHLEIFER INC3 Filed as: HODGE HART & SCHLEIFER, INC. | 8401 CONNECTICUT AVE-STE 600 CHEVY CHASE, MD 20815 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $17K | — | $17K | 4.09% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INC. GRP INC. | 1 KELLY WAY SPARKS, MD 21152 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $3K | $3K | 3.52% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD | 575 S CHARLES ST-STE 300 BALTIMORE, MD 21201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 2.97% |
| HODGE HART & SCHLEIFER INC3 Filed as: HODGE HART & SCHLEIFER, INC. | 8401 CONNECTICUT AVE-STE 600 CHEVY CHASE, MD 20815 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 1.97% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $610 | $778 | $1K | 4.54% |
| HODGE HART & SCHLEIFER INC3 Filed as: HODGE HART & SCHLEIFER | 8401 CONNECTICUT -STE 600 CHEVY CHASE, MD 20815 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $2 | $1K | 4.00% |
| ADP INC3 Filed as: AUTOMATIC DATA PROCESSING | PO BOX 842875 BOSTON, MA 02284 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 3.63% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD | 575 S CHARLES STREET-STE 300 BALTIMORE, MD 21201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $927 | — | $927 | 3.03% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC INS. GROUP INC. | 1 KELLY WAY SPARKS GLENCO, MD 21152 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $504 | $617 | $1K | 4.45% |
| ADP INC3 Filed as: AUTOMATIC DATA PROCESSING | PO BOX 842875 BOSTON, MA 02284 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $904 | $904 | 3.59% |
| HODGE HART & SCHLEIFER INC3 Filed as: HODGE HART & SCHLEIFER | 8401 CONNECTICUT - STE 600 CHEVY CHASE, MD 20815 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $819 | — | $819 | 3.25% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD | 575 S CHARLES ST-STE 300 BALTIMORE, MD 21201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $791 | — | $791 | 3.14% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES INS. GROUP | 1 KELLY WAY SPARKS, MD 21152 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $113 | $121 | $234 | 5.81% |
| HODGE HART & SCHLEIFER INC3 Filed as: HODGE HART & SCHLEIFER, INC. | 8401 CONNECTICUT - STE 600 CHEVY CHASE, MD 20815 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $160 | — | $160 | 3.97% |
| ADP INC3 Filed as: AUTOMATIC DATA PROCESSING | PO BOX 842875 BOSTON, MA 02284 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $145 | $145 | 3.60% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD | 575 S CHARLES ST-SUITE 300 BALTIMORE, MD 21201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $96 | — | $96 | 2.38% |
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 | 159 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 158 | $414K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 132 | $90K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 132 | $90K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 159 | $25K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 159 | $31K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 159 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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."
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.