| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HERITAGE BENEFITS LLC3 Filed as: HERITAGE FINANCIAL CONSULTANTS | 307 INTERNATIONAL CIRCLE SUITE 390 HUNT VALLEY, MD 21030 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. CAREFIRST BLUE CHOICE | $76K | $21K | $96K | 4.33% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS AGENCY | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. CAREFIRST BLUE CHOICE | $24K | — | $24K | 1.10% |
| EBCA5 | PO BOX 10100 MCLEAN, VI 22102 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. CAREFIRST BLUE CHOICE | $0 | $5K | $5K | 0.21% |
| KELLY & ASSOCIATES INSURANCE GROUP5 | 1 KELLY WAY SPARKS, MD 21152 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $5K | $14K | 10.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS AGENCY | 11220 ASSETT LOOP SUIT 304 MANASSAS, VA 20109 | METROPOLITAN LIFE INSURANCE COMPANY | $810 | $275 | $1K | 0.86% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES, INC | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TN 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $12 | $12 | 0.01% |
| HERITAGE BENEFITS LLC3 | 307 INTERNATIONAL CIRCLE SUITE 390 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $3K | $5K | 9.80% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY AND ASSOC INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENCY OF VA INC | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $869 | — | $869 | 1.72% |
| HERITAGE BENEFITS LLC3 | 307 INTERNATIONAL CIRCLE SUITE 390 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $4K | 16.47% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENCY OF VA INC | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.62% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY AND ASSOC INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $543 | $543 | 2.34% |
| HERITAGE BENEFITS LLC3 | 307 INTERNATIONAL CIRCLE SUITE 390 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 16.44% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS AGENCY | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 5.14% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY AND ASSOC INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $465 | $465 | 2.23% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | ADVANTICA REINSURANCE COMPANY | $2K | — | $2K | 13.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS AGENCY | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | ADVANTICA REINSURANCE COMPANY | $338 | — | $338 | 1.84% |
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 | 324 | 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) | 324 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. CAREFIRST BLUE CHOICE | 342 | $2.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 369 | $125K |
| Vision | ADVANTICA REINSURANCE COMPANY | 231 | $18K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 328 | $21K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 328 | $51K |
| Prescription drug | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. CAREFIRST BLUE CHOICE | 342 | $2.2M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 328 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 369 | — |
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.