| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | CAREFIRST BLUECHOICE, INC. | $0 | $80K | $80K | 4.06% |
| KELLY & ASSOCIATES INSURANCE GROUP5 | 1 KELLY WAY SPARKS, MD 21152 | CAREFIRST BLUECHOICE, INC. | $0 | $16K | $16K | 0.82% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 211529484 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $5K | $9K | 9.96% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, SE, SUITE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.84% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, SE, SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $8K | 14.74% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 211529484 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.23% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, SE, SUITE 1950 ATLANTA, GA 303395946 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $3K | $10K | 19.87% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 211529484 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.78% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, SE, SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $9K | 17.81% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 211529484 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.23% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, STE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $2K | $4 | $2K | 3.56% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $1K | $0 | $1K | 2.87% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | STE 1950 200 GALLERIA PKWY ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 12.01% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, SE, SUITE 1950 ATLANTA, GA 303395946 | VISION SERVICE PLAN | $1K | $0 | $1K | 6.30% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 211529484 | VISION SERVICE PLAN | $334 | $0 | $334 | 1.84% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $23 | $0 | $23 | 0.13% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, SE, SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $822 | $2K | 15.25% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 211529484 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $454 | $454 | 2.90% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $585 | $0 | $585 | 10.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $137 | $137 | 2.34% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY,SUITE 1950 ATLANTA, GA 30339 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $466 | $0 | $466 | 10.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC. | 1 KELLY WAY SPARKS, MD 21152 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $0 | $109 | $109 | 2.34% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY,SUITE 1950 ATLANTA, GA 30339 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $96 | $0 | $96 | 10.01% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC. | 1 KELLY WAY SPARKS, MD 21152 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $0 | $22 | $22 | 2.29% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY,SUITE 1950 ATLANTA, GA 30339 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $23 | $0 | $23 | 10.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC. | 1 KELLY WAY SPARKS, MD 21152 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $0 | $5 | $5 | 2.17% |
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 | 176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE, INC. | 268 | $2.0M |
| Dental(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 342 | $103K |
| Vision | VISION SERVICE PLAN | 115 | $18K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 176 | $67K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 176 | $52K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 176 | $49K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 268 | $2.0M |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 176 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 342 | — |
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.