| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MD | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $47K | $50K | 2.74% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP, INC. | 1 KELLY WAY SPARKS, MD 21152 | UNITEDHEALTHCARE INSURANCE COMPANY | $39K | — | $39K | 2.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC- | ROCKVILLE MD 1 CHURCH ST STE 500 ROCKVILLE, MD 20850 | UNITEDHEALTHCARE INSURANCE COMPANY | $665 | — | $665 | 0.04% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 263 W MAIN ST ABINGDON, VA 24210 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 12.23% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INSURANCE GROUP, | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 4.99% |
| MARSH & MCLENNAN AGENCY LLC3 | ONE CHURCH ST STE 500 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 263 W MAIN ST ABINGDON, VA 24210 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 10.86% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INSURANCE GROUP, | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | ONE CHURCH ST STE 500 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 263 W MAIN ST ABINGDON, VA 24210 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $563 | $2K | 11.59% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INSURANCE GROUP, | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $797 | $797 | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | ONE CHURCH ST STE 500 ROCKVILE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $629 | — | $629 | 3.94% |
| UNKNOWN3 | — | FIDELITY SECURITY LIFE INSURANCE | $1K | $2K | $3K | 23.33% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 263 W MAIN ST ABINGDON, VA 24210 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $526 | $2K | 11.92% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INSURANCE GROUP, | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $705 | $705 | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | ONE CHURCH ST STE 500 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $537 | — | $537 | 3.81% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 263 W MAIN ST ABINGDON, VA 24210 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $914 | $572 | $1K | 11.08% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INSURANCE GROUP, | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $670 | $670 | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | ONE CHURCH ST STE 500 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $427 | — | $427 | 3.19% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 263 W MAIN ST ABINGDON, VA 24210 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $371 | $1K | 11.43% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INSURANCE GROUP, | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $602 | $602 | 5.02% |
| MARSH & MCLENNAN AGENCY LLC3 | ONE CHURCH ST STE 500 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $445 | — | $445 | 3.71% |
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 | 352 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 420 | $1.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 420 | $1.8M |
| Vision | FIDELITY SECURITY LIFE INSURANCE | 273 | $15K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 352 | $72K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 68 | $44K |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 352 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 420 | — |
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.