| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLER-STONEBRAKER INS INC3 Filed as: KELLER STONEBRAKER INSURANCE INC. | 1120C PROFESSIONAL CT HAGERSTOWN, MD 21740 | NATIONWIDE LIFE INSURANCE COMPANY | $26K | $0 | $26K | 11.36% |
| THE LOOMIS COMPANY5 | 850 N PARK ROAD WYOMISSING, PA 19610 | NATIONWIDE LIFE INSURANCE COMPANY | $5K | — | $5K | 2.27% |
| RISK STRATEGIES COMPANY3 Filed as: BLUE RIDGE RISK PARTNERS LLC | 1120 PROFESSIONAL CT STE C HAGERSTOWN, MD 21740 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $2K | $10K | 12.41% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES INSURANCE | 1 KELLY WAY SPARKS, MD 21152 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.97% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INS GROUP INC | 1 KELLY WAY SPARKS GLENCOE, MD 21152 | HARTFORD LIFE AND ACCIDENT | $2K | $2K | $4K | 19.20% |
| KELLER-STONEBRAKER INS INC3 Filed as: KELLER STONEBRAKER - HAGERSTOWN MD | 1120 C PROFESSIONAL CT HAGERSTOWN, MD 21740 | EYEMED VISION CARE - FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.13% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES / KMS TPA | 1 KELLY WAY SPARKS, MD 21152 | EYEMED VISION CARE - FIDELITY SECURITY LIFE INSURANCE COMPANY | $289 | — | $289 | 1.44% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES TPA | 1 KELLY WAY SPARKS, MD 21152 | EYEMED VISION CARE - FIDELITY SECURITY LIFE INSURANCE COMPANY | $260 | — | $260 | 1.30% |
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 | 179 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NATIONWIDE LIFE INSURANCE COMPANY | 179 | $230K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 248 | $83K |
| Vision | EYEMED VISION CARE - FIDELITY SECURITY LIFE INSURANCE COMPANY | 246 | $20K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 176 | $20K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 176 | $20K |
| Prescription drug | NATIONWIDE LIFE INSURANCE COMPANY | 179 | $230K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 179 | $230K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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.