| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCCARTY INSURANCE INC3 | PO BOX 450 PERRY HALL, MD 21128 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | $120K | $134K | 4.50% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | UNITEDHEALTHCARE INSURANCE COMPANY | $47K | — | $47K | 1.58% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 4.15% |
| MCCARTY INSURANCE INC3 | PO BOX 450 PERRY HALL, MD 21128 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.93% |
| MCCARTY INSURANCE INC3 | PO BOX 450 PERRY HALL, MD 21128 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 12.69% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INS GROUP INC | 1 KELLY WAY SPARKS GLENCOE, MD 21152 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 4.23% |
| MCCARTY INSURANCE INC3 | PO BOX 450 PERRY HALL, MD 21128 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 8.12% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 4.17% |
| MCCARTY INSURANCE INC3 Filed as: MCCARTY INSURANCE, INC | PO BOX 450 PERRY HALL, MD 21128 | TRANSAMERICA LIFE INSURANCE COMPANY | $24K | — | $24K | 80.00% |
| M W E SOLUTIONS, INC.3 | 8370 VETERANS HIGHWAY SUITE 101 MILLERSVILLE, MD 21108 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| MCCARTY INSURANCE INC3 | PO BOX 450 PERRY HALL, MD 21128 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 8.57% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INS GROUP INC | 1 KELLY WAY SPARKS GLENCOE, MD 21152 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $740 | $740 | 4.26% |
| KELLY BENEFITS3 | 1 KELLY WAY SPARKS, MD 21152 | METLIFE LEGAL PLANS | $928 | $612 | $2K | 16.59% |
| MCCARTY INSURANCE INC3 Filed as: MCCARTY INSURANCE, INC. | PO BOX 450 PERRY HALL, MD 21128 | HEALTHIESTYOU C/O TELADOC HEALTH INC | $2K | — | $2K | 25.00% |
| MCCARTY INSURANCE INC3 | PO BOX 450 PERRY HALL, MD 21128 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $406 | — | $406 | 12.76% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $135 | $135 | 4.24% |
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 | 272 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 704 | $3.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 704 | $3.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 704 | $3.0M |
| Life insurance(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 273 | $97K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 273 | $64K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 273 | $40K |
| Other(6 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 273 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 704 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.