| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 214 N TRYON ST. FLOOR 46 CHARLOTTE, NC 28202 | CAREFIRST BLUECHOICE INC. | $4K | $53K | $57K | 4.83% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSC INSURANCE GROUP | 1 KELLY WAY SPARKS, MD 21152 | CAREFIRST BLUECHOICE INC. | — | $22K | $22K | 1.89% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3975 FAIR RIDGE DRIVE SUITE 110 FAIRFAX, VA 22033 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $4K | $8K | 11.66% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INS GROUP INC. | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 3975 FAIR RIDGE DRIVE SUITE 110 FAIRFAX, VA 22033 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 14.47% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INS GROUP INC. | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 3975 FAIR RIDGE DRIVE SUITE 110 FAIRFAX, VA 22033 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $829 | $3K | 19.34% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INS GROUP INC. | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $863 | $863 | 5.00% |
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 | 154 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE INC. | 190 | $1.2M |
| Dental | CAREFIRST BLUECHOICE INC. | 190 | $1.2M |
| Vision | CAREFIRST BLUECHOICE INC. | 190 | $1.2M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $42K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $72K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 17 | $17K |
| Prescription drug | CAREFIRST BLUECHOICE INC. | 190 | $1.2M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.