| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ISI OF MARYLAND LLC3 | 170 JENNIFER RD STE 130 ANNAPOLIS, MA 21401 | UNITEDHEALTHCARE INSURANCE COMPANY | $36K | $202 | $37K | 2.71% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INSURANCE GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | $1K | $13K | 0.94% |
| KELLY & ASSOCIATES INSURANCE GROUP5 | 1 KELLY WAY SPARKS, MD 21152 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $6K | $9K | 8.96% |
| ISI OF MARYLAND LLC3 | 170 JENNIFER RD STE 130 ANNAPOLIS, MD 21401 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.80% |
| ISI OF MARYLAND LLC3 | 170 JENNIFER RD STE 130 ANNAPOLIS, MD 21401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $4K | $11K | 20.25% |
| ISI OF MARYLAND LLC3 | 170 JENNIFER RD STE 130 ANNAPOLIS, MD 21401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $8K | 20.21% |
| ISI OF MARYLAND LLC3 | 170 JENNIFER RD STE 130 ANNAPOLIS, MD 21401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $7K | 19.75% |
| ISI OF MARYLAND LLC3 | 170 JENNIFER RD STE 130 ANNAPOLIS, MD 21401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 19.81% |
| ISI OF MARYLAND LLC3 | DBA INSURANCE SOLUTIONS 170 JENNIFER RD STE 130 ANNAPOLIS, MD 21401 | EYEMED VISION CARE | $1K | $0 | $1K | 5.76% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES | 1 KELLY WAY SPARKS, MD 21152 | EYEMED VISION CARE | $0 | $840 | $840 | 3.46% |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 267 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 361 | $100K |
| Vision | EYEMED VISION CARE | 403 | $24K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 175 | $30K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 175 | $52K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 175 | $41K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 175 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 403 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.