| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INS GROUP INC | 1 KELLY WAY SPARKS GLENCOE, MD 21152 | HARTFORD LIFE AND ACCIDENT | $6K | $5K | $11K | 18.07% |
| RISK STRATEGIES COMPANY3 Filed as: BLUE RIDGE RISK PARTNERS LLC | 1120 C PROFESSIONAL CT PO BOX 609 HAGERSTOWN, MD 21740 | GUARDIAN | $7K | $0 | $7K | 14.91% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INS GRP INC | 1 KELLY WAY SPARKS GLENCOE, MD 21152 | GUARDIAN | $2K | $0 | $2K | 5.00% |
| FINANCIAL BALANCE GROUP LLC3 | 9200 CORPORATE BLVD SUITE 390, ROCKVILLE, MD 20850 | GUARDIAN | $44 | $0 | $44 | 0.10% |
| RISK STRATEGIES COMPANY3 Filed as: BLUE RIDGE RISK PARTNERS | 1120 C PROFESSIONAL CT HAGERSTOWN, MD 21740 | EYEMED VISION CARE | $239 | $0 | $239 | 3.31% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES/KMS TPA | 1 KELLY WAY SPARKS, MD 21152 | EYEMED VISION CARE | $176 | $0 | $176 | 2.44% |
| KELLER STONEBRAKER INSURANCE GROUP3 | 1120 C PROFESSIONAL CT HAGERSTOWN, MD 21740 | EYEMED VISION CARE | $55 | $0 | $55 | 0.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KELLER STONEBRAKER INSURANCE, INC. BROKER | Insurance agents and brokers Service code 22 | 1120C PROFESSIONAL CRT HAGERSTOWN, MD 21741 | $34K |
| CAREFIRST EIN 52-1358219 ADMIN | Claims processing Service code 12 | — | $24K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $11K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $3K |
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 | 62 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 62 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 56 | $45K |
| Vision | EYEMED VISION CARE | 118 | $7K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 62 | $59K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 62 | $59K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 62 | $59K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 57 | $232K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 62 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.