| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INSURANCE G | — | UNITED CONCORDIA INSURANCE COMPANY | $6K | — | $6K | 9.98% |
| KEEN INSURANCE ASSOCIATES3 Filed as: KEEN INSURANCE ASSOC LLC | 9927 STEPHEN DECATUR HIGHWAY SUITE 9 OCEAN CITY, MD 21842 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| KEEN INSURANCE ASSOCIATES3 Filed as: KEEN INSURANCE ASSOC LLC | 9927 STEPHEN DECATUR HIGHWAY SUITE 9 OCEAN CITY, MD 21842 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $663 | $663 | 5.00% |
| CHRISTOPHER KEEN3 | 9927 STEPHEN DECATURE HIGHWAY SUITE 9 OCEAN CITY, MA 21842 | VISION SERVICE PLAN | $752 | — | $752 | 7.47% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 75251 | VISION SERVICE PLAN | $503 | — | $503 | 5.00% |
| KEEN INSURANCE ASSOCIATES3 Filed as: KEEN INSURANCE ASSOC LLC | 9927 STEPHEN DECATUR HIGHWAY SUITE 9 OCEAN CITY, MD 21842 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $756 | — | $756 | 10.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $378 | $378 | 5.00% |
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 | 98 | 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) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 78 | $56K |
| Vision | VISION SERVICE PLAN | 75 | $10K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 96 | $8K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 98 | $24K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 98 | $13K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 96 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 98 | — |
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.