| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GHC ASSOCIATES INC3 | 313 NORTH WASHINGTON STREET ALEXANDRIA, VA 22314 | GHMSI | $69K | $6K | $75K | 3.82% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INSURANCE GROUP | 1 KELLY WAY SPARKS, MD 21152 | GHMSI | — | $12K | $12K | 0.62% |
| GARY HORINE CAMPBELL3 | 509 CARLISLE DRIVE ALEXANDRIA, VA 22301 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 2.84% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, ME 21152 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.00% |
| GHC ASSOCIATES INC3 Filed as: GHC ASSOCAITES INC | 313 NORTH WASHINGTON STREET ALEXANDRIA, VA 22314 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $1K | $11K | 16.92% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INS GROUP INC | 1 KELLY WAY SPARKS, ME 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 4.43% |
| GHC ASSOCIATES INC3 | 313 N WASHINGTON STREET ALEXANDRIA, VI 22314 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $602 | $4K | 15.13% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INS GROUPINC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.47% |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GHMSI | 118 | $2.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 124 | $160K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $28K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $63K |
| Prescription drug | GHMSI | 118 | $2.0M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.