| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | AETNA HEALTH INC | $92K | — | $92K | 1.61% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $15K | $15K | 5.00% |
| USI INSURANCE SERVICES LLC3 | 3190 FAIRVIEW PARK SUITE 400 FALLS CHURCH, VA 22042 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 2.05% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | AETNA LIFE INSURANCE COMPANY | $4K | — | $4K | 1.50% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $9K | $9K | 5.00% |
| USI INSURANCE SERVICES LLC3 | 3190 FAIRVIEW PARK SUITE 400 FALLS CHURCH, VA 22042 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 1.81% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 4.59% |
| USI INSURANCE SERVICES LLC3 | 3190 FAIRVIEW PARK SUITE 400 FALLS CHURCH, VA 22042 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $715 | $715 | 1.87% |
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 | 656 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 660 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 39 | $276K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 519 | $408K |
| Vision | NATIONAL VISION ADMINISTRATORS LLC | 475 | $38K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 676 | $38K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 322 | $473K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,016 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.