| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLER-STONEBRAKER INS INC3 | PO BOX 609 HAGERSTOWN, MD 21741 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | $49K | $55K | 3.03% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INSURANCE GROUP | 1 KELLY WAY SPARKS, MD 21152 | UNITED HEALTHCARE INSURANCE COMPANY | $20K | — | $20K | 1.11% |
| RISK STRATEGIES COMPANY3 Filed as: BLUE RIDGE RISK PARTNERS LLC | 1120 PROFESSIONAL CT STE C HAGERSTOWN, MD 21740 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $3K | $6K | 10.00% |
| KELLER-STONEBRAKER INS INC3 | 1120C PROFESSIONAL CT STE C HAGERSTOWN, MD 217405852 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.93% |
| KELLER-STONEBRAKER INS INC3 | 1120C PROFESSIONAL CT STE C HAGERSTOWN, MD 217405852 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 8.98% |
| RISK STRATEGIES COMPANY5 Filed as: BLUE RIDGE RISK PARTNERS LLC | 1120 PROFESSIONAL CT STE C HAGERSTOWN, MA 21740 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.05% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | UNITED CONCORDIA INSURANCE COMPANY | $4K | — | $4K | 12.53% |
| UNITED OF OMAHA LIFE INSURANCE CO5 | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 86.90% |
| RISK STRATEGIES COMPANY3 Filed as: BLUE RIDGE RISK PARTNERS LLC | 1120 PROFESSIONAL CT STE C HAGERSTOWN, MD 21740 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $255 | $255 | $510 | 9.16% |
| KELLER-STONEBRAKER INS INC3 | 1120 PROFESSIONAL CT STE C HAGGERSTOWN, MA 21740 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $220 | $220 | 3.95% |
| BRANDY BETSON3 | 18202 PRESTWICK DR HAGERSTOWN, MD 21740 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $63 | $1K | — |
| JOHN BETSON3 | 18202 PRESTWICK DR HAGERSTOWN, MD 21740 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $332 | $23 | $355 | — |
| KIMBERLY FERGUSON3 | 4059 LOMAR DRIVE MT AIRY, MD 21771 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $288 | — | $288 | — |
| DEIRDRE B HOEHN3 Filed as: DEIRDRE B. HOEHN | 30885 FRESH POND WAY OCEAN VIEW, DE 19970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $267 | — | $267 | — |
| LINDA S SHINN3 | 317 CHURCH ST PADEN CITY, WV 26159 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | — | $59 | — |
| WRIGHT-GARDNER INS INC3 | 100 WEST ANTIETAM STREET HAGERSTOWN, MD 21741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | — | $56 | — |
| 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 | 223 | 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) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 223 | $1.8M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 62 | $28K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $61K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $46K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 223 | $1.8M |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.