| 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. | $91K | — | $91K | 11.49% |
| THE LOOMIS COMPANY5 Filed as: LOOMIS COMPANY | 850 PARK RD. WYOMISSING, PA 19610 | SYMETRA LIFE INS. CO. | $27K | — | $27K | 3.45% |
| RISK STRATEGIES COMPANY3 Filed as: BLUE RIDGE RISK PARTNERS | 325 WHITE OAKS BLVD. BRIDGEPORT, WV 26330 | UNITED OF OMAHA LIFE INSURANCE CO | $20K | $16K | $36K | 10.01% |
| RISK STRATEGIES COMPANY3 Filed as: BLUE RIDGE RISK PARTNERS | 1120C PROFESSIONAL CT. HAGERSTOWN, MD 21740 | AMERITAS | $5K | — | $5K | 3.46% |
| RISK STRATEGIES COMPANY3 Filed as: BLUE RIDGE RISK PARTNERS | 1120C PROFESSIONAL COURT HAGERSTOWN, MD 21740 | AMERICAN HERITAGE LIFE INS. CO. | $15K | — | $15K | 23.89% |
| BH PREFERRED LLC3 | 2817 WEST END AVE. SUITE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INS. CO. | $7K | — | $7K | 11.19% |
| RISK STRATEGIES COMPANY3 Filed as: BLUE RIDGE RISK PARTNERS | 1120C PROFESSIONAL CT. HAGERSTOWN, MD 21740 | EYE MED | $3K | — | $3K | 12.87% |
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 | 710 | 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) | 710 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SYMETRA LIFE INS. CO. | 285 | $793K |
| Dental | AMERITAS | 710 | $141K |
| Vision | EYE MED | 461 | $22K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE CO | 342 | $355K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE CO | 342 | $417K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 342 | $355K |
| Other | UNITED OF OMAHA LIFE INSURANCE CO | 342 | $355K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 710 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.