| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $4K | $4K | 3.50% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | — | $3K | 2.79% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD, SUITE 500 HUNT VALLEY, MD 21031 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | — | $3K | 2.73% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $3K | $6K | 15.44% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $569 | — | $569 | 1.58% |
| PROSENTIAL BENEFITS LLC3 | 40 TIOGA WAY STE 230 MARBLEHEAD, MA 02093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $152 | $152 | 0.42% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 15.45% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD STE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $400 | — | $400 | 1.58% |
| PROSENTIAL BENEFITS LLC3 | 40 TIOGA WAY STE 230 MARBLEHEAD, MA 01945 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $105 | $105 | 0.41% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $4K | 20.42% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD STE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $501 | — | $501 | 2.34% |
| LILIENFIELD & ASSOCIATES LLC3 Filed as: LILIENFIELD & ASSOCIATES, LLC | 1100 HIGGINS PLACE ROCKVILLE, MD 20852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $126 | $2K | 9.06% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MA 21031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $676 | — | $676 | 3.68% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD, SUITE 500 HUNT VALLEY, MD 21031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $516 | — | $516 | 2.81% |
| JEFFREY LEE LASKO3 | 218 POLARIS DRIVE WALKERSVILLE, MD 21793 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $312 | $2 | $314 | 1.71% |
| JOHN E CUMMINGS3 | 204 QUAYSIDE CIR #501 MAITLAND, FL 32751 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $142 | — | $142 | 0.77% |
| STEPHEN ROSS WEINSTOCK3 | 1821 MACTAVISH AVE RICHMOND, VA 23225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.21% |
| EMLYN MARSTELLER IV3 | 412 SUGARLAND MEADOW DR HERNDON, VA 20170 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.08% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD, SUITE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $2K | 15.48% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD STE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $235 | — | $235 | 1.50% |
| PROSENTIAL BENEFITS LLC3 | 40 TIOGA WAY STE 230 MARBLEHEAD, MA 01945 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $82 | $82 | 0.52% |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 9 | $18K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 156 | $108K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 156 | $108K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $55K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $36K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $25K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.