| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $108K | $108K | 3.50% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 414 GALLIMORE DAIRY ROAD SUITE F GREENBORO, NC 27409 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 0.06% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASOCIATES INSURANCE GROUP | 1 KELLY WAY SPARKS, MD 21152 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $900 | $15K | 10.64% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 414 GALLIMORE DAIRY RD SUITE F GREENSBORO, NC 27409 | METROPOLITAN LIFE INSURANCE COMPANY | — | $159 | $159 | 0.11% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $793 | $10K | 7.73% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICE, INC | 7200 BANK CT FREDERICK, MD 21703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $538 | $73 | $611 | 0.48% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $399 | $8K | 13.21% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BBT INSURANCE SERVICES, INC | 7200 BANK CT FREDERICK, MD 21703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $646 | $32 | $678 | 1.07% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | $667 | $2K | 7.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 7200 BANK COURT FREDERICK, MD 21703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $175 | $6 | $181 | 1.90% |
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 | 419 | 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) | 423 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 273 | $3.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 244 | $141K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 210 | $33K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 419 | $192K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 419 | $128K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 419 | $128K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 148 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 419 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.