| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | METROPOLITAN LIFE INSURANCE COMPANY | $182K | $3K | $185K | 7.11% |
| NETWORK MANAGEMENT INC3 Filed as: NETWORK MANAGEMENT GROUP | 404 W PENNSYLVANIA AVENUE TOWSON, MD 21204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $138K | — | $138K | 7.00% |
| NETWORK MANAGEMENT INC3 Filed as: NETWORK MANAGEMENT GROUP | 404 W PENNSYLVANIA AVENUE TOWSON, MD 21204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $83K | — | $83K | 6.84% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $48K | $14K | $63K | 13.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBS FLORIDA EIN 59-2015694 NONE | Claims processing; Contract Administrator Service code 12 | — | $2.9M |
| HEALTHCARE STRATEGIES EIN 52-1874471 NONE | Contract Administrator Service code 13 | — | $0 |
| KELLY & ASSOCIATES - UNUM ADMIN EIN 52-1066374 NONE | Insurance services Service code 23 | — | $0 |
| KELLY & ASSOCIATES INSURANCE GROUP EIN 52-1066374 NONE | Insurance agents and brokers; Insurance services Service code 22 | — | $0 |
| KELLY - FIDELITY ADMIN EIN 52-1066374 NONE | Insurance services Service code 23 | — | $0 |
| MAGELLAN EIN 52-2135463 NONE | Contract Administrator Service code 13 | — | $0 |
| NETWORK MANAGEMENT GROUP EIN 52-1992899 NONE | Insurance agents and brokers Service code 22 | — | $0 |
| TOTAL ADMINISTRATIVE SERVICES - NET EIN 39-1561025 NONE | Contract Administrator; Insurance services Service code 13 | — | $0 |
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 | 13,098 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 6,278 | $2.6M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 6,373 | $481K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 13,130 | $1.2M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 13,130 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,130 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.