| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLER-STONEBRAKER INS INC3 | PO BOX 609 HAGERSTOWN, MD 21741 | UNITED HEALTHCARE INSURANCE COMPANY | $59K | — | $59K | 3.20% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INSURANCE GROUP | 1 KELLY WAY SPARKS, MD 21152 | UNITED HEALTHCARE INSURANCE COMPANY | $19K | — | $19K | 1.02% |
| KELLER-STONEBRAKER INS INC3 | 1120C PROFESSIONAL CT HAGERSTOWN, MD 217405852 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 5.91% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSPC INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $3K | 4.49% |
| KELLER-STONEBRAKER INS INC3 | 1120C PROFESSIONAL CT STE C HAGERSTOWN, MD 217405852 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $3K | 5.88% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $962 | $2K | 4.91% |
| KELLER-STONEBRAKER INS INC3 | 1120 PROFESSIONAL CT STE C HAGGERSTOWN, MA 21740 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $168 | $168 | $336 | 5.88% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $141 | $118 | $259 | 4.53% |
| BRANDY BETSON3 | 18202 PRESTWICK DR HAGERSTOWN, MD 21740 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $5K | — |
| JOHN BETSON3 | 18202 PRESTWICK DR HAGERSTOWN, MD 21740 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $545 | $238 | $783 | — |
| KIMBERLY FERGUSON3 | 4059 LOMAR DRIVE MT AIRY, MD 21771 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $325 | $2 | $327 | — |
| DEIRDRE B HOEHN3 Filed as: DEIRDRE B. HOEHN | 30885 FRESH POND WAY OCEAN VIEW, DE 19970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $264 | — | $264 | — |
| LINDA S SHINN3 | 317 CHURCH ST PADEN CITY, WV 26159 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | — | $67 | — |
| WRIGHT-GARDNER INS INC3 | 100 WEST ANTIETAM STREET HAGERSTOWN, MD 21741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | — | $45 | — |
| CHRISTINE PHILLIPS3 | 11280 KINGSTEAD RD DAMASCUS, MD 20872 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | — |
| G R S INC3 | 3278 TAHOE CT NAPLES, FL 34119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | — |
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 | 212 | 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) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 212 | $1.8M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 146 | $61K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 146 | $47K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 212 | $1.8M |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 146 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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."
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.