| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | HORIZON HEALTHCARE SERVICES, INC. | $229K | — | $229K | 4.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $209K | — | $209K | 6.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD LIFE INSURANCE GROUP | $132K | — | $132K | 6.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | EYEMED VISION CARE | $88K | — | $88K | 7.48% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD LIFE INSRUANCE COMPANY | $40K | — | $40K | 6.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARK, MD 21152 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 6.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | EYEMED VISION CARE | $478 | — | $478 | 4.50% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 14.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Contract Administrator Service code 13 | — | $803K |
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 | 10,469 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 325 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,794 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREBRIDGE CORPORATION | 12,389 | $213K |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 8,137 | $5.7M |
| Vision(2 contracts) | EYEMED VISION CARE | 7,071 | $1.2M |
| Life insurance | RELIANCE STANDARD LIFE INSRUANCE COMPANY | 10,469 | $663K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 9,423 | $3.5M |
| Other(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE GROUP | 12,389 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,389 | — |
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.