| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY & ASSOCIATES INSURANCE GROUP3 | KELLY WAY SPARKS, MD 21152 | HIGHMARK DELAWARE | $4K | — | $4K | 4.87% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 16.29% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 14.20% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | DOMINION NATIONAL | $2K | — | $2K | 8.97% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 20.81% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 7.50% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.64% |
| JAMES R WORTHY4 | 519 BOND AVE REISTERSTOWN, MD 21136 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $394 | — | $394 | 5.97% |
| PHILLIP J SEAMAN JR4 | 551 HIDDEN STREAM CT WEST MINSTER, MD 21158 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $234 | — | $234 | 3.55% |
| DRIVEN BY POTENTIAL LLC4 | 4480 DAISY REID AVE APT 403 WOODBRIDGE, VA 22192 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $167 | — | $167 | 2.53% |
| REGINALD GANT4 | 3423 JANVALE RD WINDSOR MILL, MD 21244 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $107 | — | $107 | 1.62% |
| CHRISTIAN BUSINESS NETWORK4 | PO BOX 44071 BALTIMORE, MD 21236 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $54 | — | $54 | 0.82% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | HARTFORD LIFE AND ACCIDENT | $601 | $141 | $742 | 12.34% |
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 | 155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | HIGHMARK DELAWARE | 153 | $108K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 124 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $28K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $36K |
| Other(5 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.