| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INSURANCE GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED HEALTHCARE INSURANCE COMPANY | $19K | $20K | $38K | 4.05% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 5850 WATERLOO ROAD SUITE 240 COLUMBIA, MD 21045 | UNITED HEALTHCARE INSURANCE COMPANY | -$418 | $0 | -$418 | -0.04% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERV INC-RALEIGH | 3605 GLENWOOD AVENUE RALEIGH, NC 276124954 | HUMANA INSURANCE COMPANY | $4K | $1K | $6K | 6.33% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC INS GROUP INC | 1 KELLY WAY SPARKS, MD 211529484 | HUMANA INSURANCE COMPANY | $3K | $0 | $3K | 2.97% |
| MCGRIFF INSURANCE SERVICES INC5 | 5850 WATERLOO ROAD SUITE 240 COLUMBIA, MD 210451943 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 17.50% |
| MCGRIFF INSURANCE SERVICES INC3 | 2211 7TH AVENUE S BIRMINGHAM, AL 35233 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.38% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $396 | $396 | 0.86% |
| MCGRIFF INSURANCE SERVICES INC5 | 5850 WATERLOO ROAD STE 240 COLUMBIA, MD 210451943 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 14.12% |
| MCGRIFF INSURANCE SERVICES INC3 | 2211 7TH AVENUE S BIRMINGHAM, AL 35233 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.33% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $271 | $271 | 0.88% |
| MCGRIFF INSURANCE SERVICES INC5 | 5850 WATERLOO ROAD SUITE 240 COLUMBIA, MD 210451943 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 14.15% |
| MCGRIFF INSURANCE SERVICES INC3 | 2211 7TH AVENUE S BIRMINGHAM, AL 35233 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $974 | $974 | 3.36% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $248 | $248 | 0.86% |
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 | 186 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 251 | $949K |
| Dental | HUMANA INSURANCE COMPANY | 121 | $88K |
| Vision | HUMANA INSURANCE COMPANY | 121 | $88K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 186 | $31K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 186 | $29K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 186 | $46K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 186 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.