| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VANTAGE BENEFITS GROUP3 | 104 QUAIL RUN DRIVE CENTREVILLE, MD 216172300 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $988 | — | $988 | 8.46% |
| VANTAGE BENEFITS GROUP5 | 104 QUAIL RUN DRIVE CENTREVILLE, MD 216172300 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $494 | $494 | 4.23% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP, INC. | 1 KELLY WAY SPARKS, MH 211529484 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $180 | — | $180 | 1.54% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOC INS GROUP, INC. | 1 KELLY WAY SPARKS, MD 211529484 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $90 | $90 | 0.77% |
| VANTAGE BENEFITS GROUP3 | 104 QUAIL RUN DRIVE CENTREVILLE, MD 216172300 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $827 | — | $827 | 8.47% |
| VANTAGE BENEFITS GROUP5 | 104 QUAIL RUN DRIVE CENTREVILLE, MD 216172300 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $413 | $413 | 4.23% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP, INC. | 1 KELLY WAY SPARKS, MH 211529484 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $149 | — | $149 | 1.53% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOC INC GROUP, INC. | 1 KELLY WAY SPARKS, MD 211529484 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $75 | $75 | 0.77% |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $10K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $12K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.