| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INSURANCE GROUP, | — | UNITED CONCORDIA INSURANCE COMPANY | $6K | — | $6K | 10.01% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INSURANCE GROUP, | — | UNITED CONCORDIA INSURANCE COMPANY | — | $3K | $3K | 4.98% |
| KEEN INSURANCE ASSOCIATES3 Filed as: KEEN INSURANCE ASSOCIATES LLC | 9927 STEPHEN DECATUR HIGHWAY SUITE 9 OCEAN CITY, MD 21842 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.05% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INSURANCE GROUP, | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.02% |
| KEEN INSURANCE ASSOCIATES3 Filed as: KEEN INSURANCE ASSOCIATES LLC | 9927 STEPHEN DECATUR HIGHWAY SUITE 9 OCEAN CITY, MD 21842 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 14.34% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INSURANCE GROUP, | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $876 | $876 | 5.02% |
| CHRISTOPHER KEEN3 | 9927 STEPHEN DECATUR HIGHWAY SUITE 9 OCEAN CITY, MD 21842 | VISION SERVICE PLAN | $803 | — | $803 | 6.97% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FNCIAL SE | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 75251 | VISION SERVICE PLAN | $689 | — | $689 | 5.98% |
| KEEN INSURANCE ASSOCIATES3 Filed as: KEEN INSURANCE ASSOCIATES LLC | 9927 STEPHEN DECATUR HIGHWAY SUITE 9 OCEAN CITY, MD 21842 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $843 | — | $843 | 10.04% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INSURANCE GROUP, | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $421 | $421 | 5.01% |
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 | 115 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 89 | $61K |
| Vision | VISION SERVICE PLAN | 90 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $8K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $37K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $17K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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.