| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY BENEFIT STRATEGIES | 1 KELLY WAY SPARKS, MD 21152 | COMBINED INSURANCE COMPANY OF AMERICA - EYEMED | $0 | $15K | $15K | 4.83% |
| JAMES NUZZI3 | 240 FRISCH CT. PARAMUS, NJ 07652 | COMBINED INSURANCE COMPANY OF AMERICA - EYEMED | $2K | $7K | $9K | 2.76% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC INS GROUP INC. | 1 KELLY WAY SPARKS, MD 21152 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 2.80% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES INS. GROUP INC | 1 KELLY WAY SPARKS, MD 211529484 | KAISER FOUNDATION HEALTH PLAN INC. | $10K | $0 | $10K | 5.27% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC INS. GROUP INC. | 1 KELLY WAY SPARKS, MD 211529484 | KAISER FOUNDATION HEALTH PLAN INC. | $7K | $0 | $7K | 5.54% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 36.10% |
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 | 2,675 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 237 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 244 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 43 | $322K |
| Vision | COMBINED INSURANCE COMPANY OF AMERICA - EYEMED | 5,656 | $312K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $32K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $73K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $37K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $231K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,656 | — |
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.