| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | CAREFIRST BLUECHOICE, INC | $39 | $175K | $175K | 4.26% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | METROPOLITAN LIFE INSURANCE COMPANY | $67K | — | $67K | 10.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | SYMETRA LIFE INSURANCE COMPANY | $71K | — | $71K | 14.98% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | SYMETRA LIFE INSURANCE COMPANY | $25K | — | $25K | 13.78% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | SYMETRA LIFE INSURANCE COMPANY | $43K | — | $43K | 24.69% |
| SF&C SELECT BENEFITS COMM GROUP3 Filed as: SF&C SELECT BENEFITS COMMUNICATIONS | 10075 RED RUN BOULEVARD SUITE 550 OWINGS MILLS, MD 21117 | SYMETRA LIFE INSURANCE COMPANY | $13K | — | $13K | 7.38% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | — | $11K | 7.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | VISION SERVICE PLAN | $5K | — | $5K | 3.50% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | SYMETRA LIFE INSURANCE COMPANY | $19K | — | $19K | 14.76% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | — | $18K | 15.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | SYMETRA LIFE INSURANCE COMPANY | $17K | — | $17K | 23.17% |
| SF&C SELECT BENEFITS COMM GROUP3 Filed as: SF&C SELECT BENEFITS COMMUNICATIONS | 10075 RED RUN BOULEVARD SUITE 550 OWINGS MILLS, MD 21117 | SYMETRA LIFE INSURANCE COMPANY | $5K | — | $5K | 6.64% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | SYMETRA LIFE INSURANCE COMPANY | $8K | — | $8K | 14.68% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
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 | 1,258 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 51 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC | 632 | $4.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,185 | $669K |
| Vision | VISION SERVICE PLAN | 999 | $149K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 460 | $153K |
| Short-term disability | THE HARTFORD LIFE AND ACCIDENT | 266 | $109K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 221 | $122K |
| Prescription drug | CAREFIRST BLUECHOICE, INC | 632 | $4.1M |
| Other(8 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 460 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,185 | — |
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.