| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY BENEFITS3 Filed as: KELLY BENEFITS INC. | 810 E. COLLEGE PARKWAY ANNAPOLIS, MD 21409 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $48K | $51K | 5.05% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP | 1 KELLY WAY SPARKS, MD 21152 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $21K | $21K | 2.07% |
| KELLY BENEFITS3 Filed as: KELLY BENEFITS INC. | 810 E. COLLEGE PARKWAY ANNAPOLIS, MD 21409 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 13.75% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP | 1 KELLY WAY SPARKS, MD 21152 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 4.58% |
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 | 119 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 85 | $1.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 85 | $1.0M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 85 | $1.0M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 119 | $74K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 119 | $74K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 119 | $74K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 119 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.