| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE ASSOCIATES INC3 Filed as: INSURANCE ASSOCIATES INC. | 1 CHURCH STREET SUITE 500 ROCKVILLE, MD 208504178 | UNITEDHEALTHCARE INSURANCE COMPANY | $61K | — | $61K | 3.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGNCY LLC-RCKVILE | 1 CHURCH STREET SUITE 500 ROCKVILLE, MD 208504178 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 0.76% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP, INC. | 1 KELLY WAY SPARKS, MD 211529484 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 0.65% |
| INSURANCE ASSOCIATES INC3 Filed as: INSURANCE ASSOCIATES, INC. | PO BOX 12748 ROANOKE, VA 24028 | UNION SECURITY INSURANCE COMPANY | $11K | — | $11K | 5.50% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES | 1 KELLY WAY SPARKS, MH 211529484 | UNION SECURITY INSURANCE COMPANY | — | $7K | $7K | 3.52% |
| INSURANCE ASSOCIATES INC3 Filed as: INSURANCE ASSOCIATES, INC. | 21 CHURCH STREET SUITE 100 ROCKVILLE, MD 20850 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 1.80% |
| INSURANCE ASSOCIATES INC3 Filed as: INSURANCE ASSOCIATES, INC. | 21 CHURCH STREET SUITE 100 ROCKVILLE, MD 20850 | HUMANA | $615 | — | $615 | 5.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLCS | 1 CHURCH STREET SUITE 500 ROCKVILLE, MD 20850 | HUMANA | $440 | — | $440 | 4.10% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INS GROUP, INC. | 1 KELLY WAY SPARKS, MH 211529484 | HUMANA | $333 | — | $333 | 3.10% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MH 211529484 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $460 | $2K | 18.48% |
| INSURANCE ASSOCIATES INC3 Filed as: INSURANCE ASSOCIATES, INC. | 1 CHURCH STREET SUITE 500 ROCKVILLE, MD 208504178 | METROPOLITAN LIFE INSURANCE COMPANY | — | $32 | $32 | 0.38% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP, INC. | 1 KELLY WAY SPARKS, MH 211529484 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12 | $12 | 0.14% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 284 | $1.8M |
| Dental | UNION SECURITY INSURANCE COMPANY | 111 | $202K |
| Vision | HUMANA | 109 | $11K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 191 | $210K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 111 | $202K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 111 | $202K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 191 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.