| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $5K | $5K | 1.74% |
| HMS INSURANCE ASSOCIATES INC3 Filed as: HMS INSURANCE ASSOCIATES, INC. | 20 WIGHT AVENUE SUITE 300 HUNT VALLEY, MD 21030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | — | $5K | 1.74% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 WIGHT AVENUE SUITE 300 HUNT VALLEY, MD 21030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | — | $3K | 1.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 20 WIGHT AVENUE HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 8.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 20 WIGHT AVENUE HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $7K | $7K | 5.57% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $7K | $7K | 5.00% |
| HMS INSURANCE ASSOCIATES INC3 | 20 WIGHT AVENUE SUITE 300 COCKEYSVILLE, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 1.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 20 WIGHT AVENUE HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $7K | $17K | 13.71% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 5.00% |
| HMS INSURANCE ASSOCIATES INC3 | 20 WIGHT AVENUE SUITE 300 COCKEYSVILLE, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 1.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 20 WIGHT AVENUE HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $4K | $10K | 13.90% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 5.00% |
| HMS INSURANCE ASSOCIATES INC3 | 20 WIGHT AVENUE SUITE 300 COCKEYSVILLE, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.67% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 75251 | VISION SERVICE PLAN | $2K | — | $2K | 4.05% |
| HMS INSURANCE ASSOCIATES INC3 Filed as: HMS INSURANCE ASSOCIATES, INC. | 20 WIGHT AVENUE SUITE 300 HUNT VALLEY, MD 21030 | VISION SERVICE PLAN | $1K | — | $1K | 2.48% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 WIGHT AVENUE HUNT VALLEY, MD 21030 | VISION SERVICE PLAN | $269 | — | $269 | 0.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 20 WIGHT AVENUE HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 13.92% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| HMS INSURANCE ASSOCIATES INC3 | 20 WIGHT AVENUE SUITE 300 COCKEYSVILLE, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $648 | — | $648 | 1.65% |
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 | 403 | 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) | 403 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 326 | $272K |
| Vision | VISION SERVICE PLAN | 280 | $48K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 403 | $161K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 398 | $71K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 398 | $132K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 300 | $832K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 403 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 403 | — |
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.