| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | CAREFIRST BLUECHOICE, INC | $89K | $53K | $142K | 7.99% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | METROPOLITAN LIFE INSURANCE COMPANY | $51K | — | $51K | 10.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | SYMETRA FINANCIAL | $56K | — | $56K | 14.96% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | SYMETRA FINANCIAL | $32K | — | $32K | 14.86% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | SYMETRA FINANCIAL | $20K | — | $20K | 14.91% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 7.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | VISION SERVICE PLAN | $4K | — | $4K | 3.50% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | THE HARTFORD LIFE AND ACCIDENT | — | $5K | $5K | 5.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 15.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | SYMETRA FINANCIAL | $18K | — | $18K | 24.54% |
| SF&C SELECT BENEFITS COMM GROUP3 Filed as: SF&C SELECT BENEFITS COMMUNICATIONS | 10075 RED RUN BOULEVARD SUITE 550 OWINGS MILLS, MD 21117 | SYMETRA FINANCIAL | $5K | — | $5K | 7.27% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | SYMETRA FINANCIAL | $6K | — | $6K | 14.92% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | SYMETRA FINANCIAL | $9K | — | $9K | 24.86% |
| SF&C SELECT BENEFITS COMM GROUP3 Filed as: SF&C SELECT BENEFITS COMMUNICATIONS | 10075 RED RUN BOULEVARD SUITE 550 OWINGS MILLS, MD 21117 | SYMETRA FINANCIAL | $3K | — | $3K | 7.43% |
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 | 733 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 752 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC | 235 | $1.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 733 | $512K |
| Vision | VISION SERVICE PLAN | 584 | $107K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 265 | $121K |
| Short-term disability | THE HARTFORD LIFE AND ACCIDENT | 180 | $94K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 174 | $92K |
| Prescription drug | CAREFIRST BLUECHOICE, INC | 235 | $1.8M |
| Other(8 contracts, 2 carriers) | SYMETRA FINANCIAL | 265 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 733 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.