| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCCARTY INSURANCE INC3 | PO BOX 450 PERRY HALL, MD 21128 | UNITEDHEALTHCARE INSURANCE COMPANY | $841 | $29K | $30K | 3.83% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INSURANCE GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 1.30% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INS GROUP INC | 1 KELLY WAY SPARKS GLENCOE, MD 21152 | HARTFORD LIFE AND ACCIDENT | $9K | $7K | $17K | 18.00% |
| MCCARTY INSURANCE INC3 Filed as: MCCARTY INSURANCE, INC. | PO BOX 450 PERRY HALL, MD 21128 | DELTA DENTAL OF VIRGINIA | $4K | — | $4K | 4.99% |
| 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 | $7K | — | $7K | 25.00% |
| MCCARTY INSURANCE INC3 Filed as: MCCARTY INSURANCE, INC | PO BOX 450 PERRY HALL, MD 21128 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 35.46% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 5.27% |
| MELISSA WYMAN3 | 12701 FOUNDSTONE ROAD #301 GERMANTOWN, MD 20876 | CONTINENTAL AMERICAN INSURANCE COMPANY | $609 | — | $609 | 2.42% |
| JOSHUA M PINCUS SOKOLOFF3 Filed as: JOSHUA M PINCUS-SOKOLOFF | 1474 STEVENSON STREET BALTIMORE, MD 21230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $506 | — | $506 | 2.01% |
| MELISSA WYMAN3 | 12701 FOUNDSTONE ROAD #301 GERMANTOWN, MD 20876 | CONTINENTAL AMERICAN INSURANCE COMPANY | $172 | — | $172 | 0.68% |
| MCCARTY INSURANCE INC3 | PO BOX 450 PERRY HALL, MD 21128 | VISION SERVICE PLAN | $921 | — | $921 | 5.50% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INSURANCE G | 1 KELLY WAY SPARKS, MD 21152 | VISION SERVICE PLAN | $740 | — | $740 | 4.42% |
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. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 115 | $779K |
| Dental | DELTA DENTAL OF VIRGINIA | 97 | $70K |
| Vision | VISION SERVICE PLAN | 92 | $17K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 123 | $92K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 123 | $92K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 123 | $92K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 123 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.