| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | UNITED CONCORDIA INSURANCE COMPANY | $6K | $2K | $8K | 13.68% |
| KAREN A DEVINE3 | 46965 CAMEO LANE APARTMENT 404 LEXINGTON PARK, MD 20653 | AFLAC | $1K | $34 | $1K | 4.81% |
| CEDAR POINT FINANCIAL SERVICE INC3 | 22745 MAPLE ROAD LEXINGTON PARK, MD 20653 | AFLAC | $755 | — | $755 | 2.43% |
| THOMAS ASSOCIATES LLC3 | 2801 SCENIC MEADOW STREET WALDORF, MD 20603 | AFLAC | $594 | — | $594 | 1.91% |
| MICHAEL C WALKER3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $385 | $18 | $403 | 1.30% |
| MICHAEL EDWARD RISKA3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $238 | $18 | $256 | 0.82% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $194 | — | $194 | 0.62% |
| KAREN PICCININI3 Filed as: KAREN DEVINE | 21071 LARKSPUR COURT LEONARDTOWN, MD 20650 | AFLAC | $123 | $56 | $179 | 0.58% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DRIVE ELLICOTT CITY, MD 21042 | AFLAC | $107 | — | $107 | 0.34% |
| DAWN M WITTFELT3 | 810 RIVER ROAD 2ND FLOOR SYKESVILLE, MD 21784 | AFLAC | $84 | — | $84 | 0.27% |
| KEVIN V THOMAS3 | 2801 SCENIC MEADOW STREET WALDORF, MD 20603 | AFLAC | $75 | — | $75 | 0.24% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND LLC | 22934 THREE NOTCH ROAD UNIT B CALIFORNIA, MD 20619 | AFLAC | $48 | — | $48 | 0.15% |
| MARK D STONER3 | 10170 CAPE ANN DRIVE COLUMBIA, MD 21048 | AFLAC | $47 | — | $47 | 0.15% |
| JENNIFER D EBAUGH3 Filed as: JENNIFER DANIELLE EBAUGH | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $30 | — | $30 | 0.10% |
| RWA INSURANCE3 Filed as: RWA INSURANCE INC | 22934 THREE NOTCH ROAD UNIT B CALIFORNIA, MD 20619 | AFLAC | $30 | — | $30 | 0.10% |
| CATHERINE A WHEATLEY3 | 21393 HAWKBIT COURT LEXINGTON PARK, MD 20653 | AFLAC | $29 | — | $29 | 0.09% |
| SHEM J BOSTICK3 | 1620 SOUTH DITMAR STREET OCEANSIDE, CA 92054 | AFLAC | $27 | — | $27 | 0.09% |
| JOSEPH M BRZECZEK3 | 1012 COLLEGE ROAD SUITE 203 DOVER, DE 19904 | AFLAC | $26 | — | $26 | 0.08% |
| JEREMY A FELDMAN3 | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $21 | — | $21 | 0.07% |
| MATTHEW D DIPASQUALE3 | 603 WESTBURY ROAD FALLSTON, MD 21047 | AFLAC | $14 | — | $14 | 0.05% |
| KELLY BRZECZEK3 | 1012 COLLEGE ROAD SUITE 203 DOVER, DE 19904 | AFLAC | $11 | — | $11 | 0.04% |
| JASON D ELLIS3 Filed as: JASON ELLIS | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $11 | — | $11 | 0.04% |
| JORDAN A PURCELL3 | 742 EAST ELLENDALE STREET BEL AIR, MD 21014 | AFLAC | $5 | — | $5 | 0.02% |
| HILARY RADOLEC3 | 4801 FAIRMONT AVENUE APARTMENT 713 BETHESDA, MD 20814 | AFLAC | $4 | — | $4 | 0.01% |
| DALE SHADDOCK3 | 8927 MAYFLOWER ROAD ROSEDALE, MD 21237 | AFLAC | $4 | — | $4 | 0.01% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFITS GROUP LL | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $3 | — | $3 | 0.01% |
| DAVID J MCCLELLAN3 Filed as: DAVID J WAGENHEIM | 582 WOODBINE AVENUE TOWSON, MD 21204 | AFLAC | $1 | — | $1 | 0.00% |
| KELLY LYNN FELDMAN3 | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $1 | — | $1 | 0.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $5K | 20.97% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $4K | 22.50% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 16.92% |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA HEALTH, INC. | 108 | $671K |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 72 | $90K |
| Life insurance(3 contracts, 2 carriers) | AFLAC | 102 | $70K |
| Short-term disability | AFLAC | 42 | $31K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 102 | $22K |
| Other(4 contracts, 3 carriers) | AFLAC | 124 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.