| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | UNITED HEALTHCARE INSURANCE COMPANY | $28K | — | $28K | 2.97% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $1K | $4K | 6.92% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $7K | 15.07% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASOCIATES INSURANCE GROUP | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $6K | 15.94% |
| MULLANEY ENTERPRISES LLC3 | 5501 TWIN KNOLLS ROAD COLUMBIA, MD 21045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 24.02% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 11.86% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 70 WEST POINT, GA 31833 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $402 | $24 | $426 | 2.51% |
| KLD INSURANCE BENEFITS INC3 | 9085 BETHEL RD GAINSVILLE, GA 30506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | $41 | $100 | 0.59% |
| CHALRES AUGUSTUS RAY3 | 12010 BROOKFIELD CLUB RD ROSWELL, GA 30075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | $32 | $92 | 0.54% |
| TRACEY HAMILTON3 | 2098 ST JAMES RD MARRIOTTSVILLE, MD 21104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | $2 | $49 | 0.29% |
| C ADMANS VOLK3 | 2295 OLD ORCHARD DR MARIETTA, GA 30068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $3 | $17 | 0.10% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $2K | $3K | 25.71% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $429 | $172 | $601 | 7.00% |
| KELLY BENEFITS3 | 1 KELLY WAY SPARKS, MD 21152 | METLIFE LEGAL PLANS | $327 | — | $327 | 9.98% |
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 | 95 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 73 | $926K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 66 | $57K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 55 | $9K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 95 | $35K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 34 | $10K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 95 | $49K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 95 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 95 | — |
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."
No prospect flags tripped on this filing.