| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HMS INSURANCE ASSOCIATES INC3 Filed as: HMS INSURANCE ASSOCIATES, INC. | PO BOX 1750 COCKEYSVILLE, MD 21030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $39K | $39K | 3.57% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $16K | $16K | 1.43% |
| HMS INSURANCE ASSOCIATES INC3 Filed as: HMS FINANCIAL SERVICES, INC | 20 WIGHT AVENUE SUITE 300 HUNT VALLEY, MD 21030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $847 | $9K | 7.74% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INSURANCE | 1 KELLY WAY SPARKS, MD 21152 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 5.00% |
| KELLY BENEFITS3 Filed as: KELLY | 301 INTERNATIONAL CIRCLE HUNT VALLEY, MD 21030 | DENTAQUEST | $476K | — | $476K | 1200.01% |
| HMS INSURANCE ASSOCIATES INC3 Filed as: HMS FINANCIAL SERVICES | 20 WIGHT AVENUE SUITE 300 HUNT VALLEY, MD 21030 | VISION SERVICE PLAN | $457 | — | $457 | 9.99% |
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 | 146 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 98 | $1.1M |
| Dental(2 contracts, 2 carriers) | DENTAQUEST | 204 | $46K |
| Vision | VISION SERVICE PLAN | 92 | $5K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 128 | $113K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 128 | $113K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 128 | $113K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 175 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.