| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGNCY LLC-ROCKVILE | 1 CHURCH STREET SUITE 500 ROCKVILLE, MD 208504178 | UNITEDHEALTHCARE INSURANCE COMPANY | $99K | $948 | $99K | 4.45% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP, INC. | 1 KELLY WAY SPARKS, MD 211529484 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | $1K | $15K | 0.66% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 CHURCH STREET SUITE 500 ROCKVILLE, MD 20850 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 3.59% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 CHURCH ST STE 500 ROCKVILLE, MD 20850 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 10.92% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 CHURCH STREET SUITE 500 ROCKVILLE, MD 208504178 | HUMANA | $1K | — | $1K | 8.32% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INS GRP INC | 1 KELLY WAY SPARKS, MD 211529484 | HUMANA | $390 | — | $390 | 3.18% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INS GROUP, INC. | 1 KELLY WAY SPARKS, MD 211529484 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $542 | $2K | 20.09% |
| INSURANCE ASSOCIATES INC3 Filed as: INSURANCE ASSOCIATES INC. | 1 CHURCH STREET SUITE 500 ROCKVILLE, MD 208504178 | METROPOLITAN LIFE INSURANCE COMPANY | — | $29 | $29 | 0.29% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 211529484 | METROPOLITAN LIFE INSURANCE COMPANY | — | $19 | $19 | 0.19% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 311 | $2.2M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 254 | $112K |
| Vision | HUMANA | 121 | $12K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 225 | $117K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 61 | $107K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 61 | $107K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 311 | $2.2M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 225 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.