| 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 | $7K | $6K | $13K | 18.21% |
| RISK STRATEGIES COMPANY3 Filed as: BLUE RIDGE RISK PARTNERS LLC | 1120 C PROFESSIONAL CT PO BOX 609 HAGERSTOWN, MD 21740 | GUARDIAN | $11K | $0 | $11K | 15.88% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INS GRP INC | 1 KELLY WAY SPARKS GLENCOE, MD 21152 | GUARDIAN | $3K | $0 | $3K | 5.00% |
| FINANCIAL BALANCE GROUP LLC3 | 9200 CORPORATE BLVD SUITE 390, ROCKVILLE, MD 20850 | GUARDIAN | $73 | $0 | $73 | 0.11% |
| RISK STRATEGIES COMPANY3 Filed as: BLUE RIDGE RISK PARTNERS | 1120 C PROFESSIONAL CT HAGERSTOWN, MD 21740 | EYEMED VISION CARE | $377 | $0 | $377 | 4.51% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES/KMS TPA | 1 KELLY WAY SPARKS, MD 21152 | EYEMED VISION CARE | $121 | $0 | $121 | 1.45% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES TPA | 1 KELLY WAY SPARKS, MD 21152 | EYEMED VISION CARE | $105 | $0 | $105 | 1.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KELLER STONEBRAKER INSURANCE, INC. BROKER | Insurance agents and brokers Service code 22 | 1120C PROFESSIONAL CRT HAGERSTOWN, MD 21741 | $42K |
| CAREFIRST EIN 52-1358219 ADMIN | Claims processing Service code 12 | — | $31K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $13K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $4K |
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 | 61 | 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) | 62 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 66 | $68K |
| Vision | EYEMED VISION CARE | 132 | $8K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 71 | $69K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 71 | $69K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 71 | $69K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 57 | $328K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 71 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.