| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $3K | $5K | 10.48% |
| CENTRAL MARYLAND INS ASSOC INC3 | 2045 YORK RD STE 200 TIMONIUM, MD 21093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 15.46% |
| KELLY & ASSOCIATES INSURANCE GROUP5 | 1 KELLY WAY SPARKS, MO 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| CENTRAL MARYLAND INS ASSOC INC3 | 2045 YORK RD STE 200 TIMONIUM, MD 21093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $4K | 14.96% |
| KELLY & ASSOCIATES INSURANCE GROUP5 | 1 KELLY WAY SPARKS, MO 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.00% |
| CENTRAL MARYLAND INS ASSOC INC3 | 2045 YORK RD STE 200 TIMONIUM, MD 21093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 18.42% |
| KELLY & ASSOCIATES INSURANCE GROUP5 | 1 KELLY WAY SPARKS, MO 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.00% |
| CENTRAL MARYLAND INS ASSOC INC3 | 2045 YORK RD STE 200 TIMONIUM, MD 21093 | UNITEDHEALTHCARE INSURANCE COMPANY | $767 | $0 | $767 | 10.65% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | UNITEDHEALTHCARE INSURANCE COMPANY | $382 | $0 | $382 | 5.31% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 120 | $50K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 93 | $7K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $24K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 78 | $32K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 46 | $21K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.