| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GRP | 1 KELLY WAY SPARKS, MD 21152 | INNOVATION HEALTH | $12K | — | $12K | 1.90% |
| MCCARTY INSURANCE INC3 | PO BOX 450 PERRY HALL, MD 21128 | INNOVATION HEALTH | — | $5K | $5K | 0.70% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GRP | 1 KELLY WAY SPARKS, MD 21152 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $3K | — | $3K | 1.91% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INS GROUP INC | 1 KELLY WAY SPARKS GLENCOE, MD 21152 | HARTFORD LIFE AND ACCIDENT | $10K | $8K | $18K | 18.00% |
| MCCARTY INSURANCE INC3 Filed as: MCCARTY INSURANCE, INC. | PO BOX 450 PERRY HALL, MD 21128 | DELTA DENTAL OF VIRGINIA | $4K | — | $4K | 4.98% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | DELTA DENTAL OF VIRGINIA | $2K | — | $2K | 2.99% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | HEALTHIEST YOU | $8K | — | $8K | 25.00% |
| MCCARTY INSURANCE INC3 Filed as: MCCARTY INSURANCE, INC | PO BOX 450 PERRY HALL, MD 21128 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 31.03% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INSURANCE GROUP, | 1 KELLY WAY SPARKS, MD 21152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 4.29% |
| MELISSA WYMAN3 | 12701 FOUNDSTONE ROAD #301 GERMANTOWN, MD 20876 | CONTINENTAL AMERICAN INSURANCE COMPANY | $448 | — | $448 | 1.65% |
| JOSHUA M PINCUS SOKOLOFF3 Filed as: JOSHUA M PINCUS-SOKOLOFF | 1474 STEVENSON STREET BALTIMORE, MD 21230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $410 | — | $410 | 1.51% |
| MELISSA WYMAN3 | 12701 FOUNDSTONE ROAD #301 GERMANTOWN, MD 20876 | CONTINENTAL AMERICAN INSURANCE COMPANY | $274 | — | $274 | 1.01% |
| MCCARTY INSURANCE INC3 | PO BOX 450 PERRY HALL, MD 21128 | VISION SERVICE PLAN | $1K | — | $1K | 6.04% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | VISION SERVICE PLAN | $1K | — | $1K | 5.80% |
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 | 126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INNOVATION HEALTH | 91 | $794K |
| Dental | DELTA DENTAL OF VIRGINIA | 97 | $79K |
| Vision | VISION SERVICE PLAN | 96 | $20K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 129 | $103K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 129 | $103K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 129 | $103K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 129 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.