| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLER-STONEBRAKER INS INC3 Filed as: KELLER STONEBRAKER INS. INC. | 1120C PROFESSIONAL CT. HAGERSTOWN, MD 21740 | SYMETRA LIFE INS. CO. | $8K | — | $8K | 12.20% |
| THE LOOMIS COMPANY5 Filed as: LOOMIS COMPANY | 850 PARK RD. WYOMISSING, PA 19610 | SYMETRA LIFE INS. CO. | $2K | — | $2K | 3.66% |
| DEBORAH HEBB3 | 1120C PROFESSIONAL COURT HAGERSTOWN, MD 21740 | AMERICAN HERITAGE LIFE INS. CO. | $5K | — | $5K | 31.12% |
| BH PREFERRED LLC3 | 2817 WEST END AVE. SUITE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INS. CO. | $2K | — | $2K | 14.90% |
| RISK STRATEGIES COMPANY3 Filed as: BLUE RIDGE RISK PARTNERS | 1120C PROFESSIONAL CT. HAGERSTOWN, MD 21740 | EYE MED | $235 | — | $235 | 11.57% |
| RISK STRATEGIES COMPANY3 Filed as: BLUE RIDGE RISK PARTNERS | 1120C PROFESSIONAL COURT HAGERSTOWN, MD 21740 | UNITED OF OMAHA LIFE INSURANCE CO | $0 | — | $0 | — |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INS. GROUP | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE CO | $0 | — | $0 | — |
| KELLER-STONEBRAKER INS INC3 Filed as: KELLER STONEBRAKER INS. INC. | 1120C PROFESSIONAL CT. HAGERSTOWN, MD 21740 | AMERITAS | $0 | — | $0 | — |
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 | 408 | 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) | 408 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SYMETRA LIFE INS. CO. | 251 | $64K |
| Dental | AMERITAS | 292 | $0 |
| Vision | EYE MED | 408 | $2K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE CO | 271 | $0 |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INS. CO. | 271 | $15K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 271 | $0 |
| Other | UNITED OF OMAHA LIFE INSURANCE CO | 271 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 408 | — |
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.