| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ISI OF MARYLAND LLC3 | 170 JENNIFER RD., STE. 130 ANNAPOLIS, MD 21401 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $32K | $32K | 3.48% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $18K | $18K | 2.00% |
| ISI OF MARYLAND LLC3 | 170 JENNIFER RD., STE. 130 ANNAPOLIS, MD 21401 | DOMINION NATIONAL | $5K | — | $5K | 10.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND LLC | 540 FORT EVANS RD., STE. 301 LEESBURG, VA 20176 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 12.90% |
| ISI OF MARYLAND LLC3 | 170 JENNIFER RD., STE. 130 ANNAPOLIS, MD 21401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.12% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INS GROUP INC. | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.60% |
| ISI OF MARYLAND LLC5 | 170 JENNIFER RD., STE. 130 ANNAPOLIS, MD 21401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $126 | $126 | 0.40% |
| ISI OF MARYLAND LLC3 | DBA INSURANCE SOLUTIONS 170 JENNIFER RD., STE. 130 ANNAPOLIS, MD 21401 | EYEMED VISION CARE | $404 | — | $404 | 2.85% |
| MATHER & STROHL ADMIN SVC INC5 Filed as: MATHER & STROHL ADMIN SERVICE | DBA BENEFITMALL 501 FAIRMOUNT AVE. TOWSON, MD 21286 | EYEMED VISION CARE | — | $312 | $312 | 2.20% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND, LLC | 118 EDENDERRY AVE.,STE. 130 CENTREVILLE, MD 21617 | EYEMED VISION CARE | $163 | — | $163 | 1.15% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND LLC | 22934 THREE NOTCH RD., UNIT B CALIFORNIA, MD 20619 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $234 | $192 | $426 | 10.59% |
| ISI OF MARYLAND LLC3 | 170 JENNIFER RD., STE. 130 ANNAPOLIS, MD 21401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $168 | $51 | $219 | 5.45% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INS GROUP INC. | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $150 | $150 | 3.73% |
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 | 100 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 164 | $920K |
| Dental | DOMINION NATIONAL | 102 | $51K |
| Vision | EYEMED VISION CARE | 160 | $14K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 98 | $4K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 98 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.