| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY BENEFITS3 Filed as: KELLY INSURANCE & INVESTMENT, INC | 810 E COLLEGE PARKWAY SUITE 200 ANNAPOLIS, MD 21409 | CAREFIRST OF MARYLAND INCCAREFIRST BLUECHOICE INC | $4K | $40K | $44K | 4.21% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | CAREFIRST OF MARYLAND INCCAREFIRST BLUECHOICE INC | $0 | $15K | $15K | 1.40% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY BENEFIT STRATEGIES | 1 KELLY WAY SPARKS, MD 21152 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 10.00% |
| KELLY BENEFITS3 Filed as: KELLY INSURANCE & INVESTMENT, INC | 810 E COLLEGE PARKWAY ANNAPOLIS, MD 214095629 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 20.20% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 211529484 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $683 | $683 | 5.06% |
| KELLY BENEFITS3 Filed as: KELLY INSURANCE & INVESTMENT, INC | 810 E COLLEGE PARKWAY ANNAPOLIS, MD 21409 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 23.12% |
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 | 185 | 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) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST OF MARYLAND INCCAREFIRST BLUECHOICE INC | 259 | $1.0M |
| Dental | CAREFIRST OF MARYLAND INCCAREFIRST BLUECHOICE INC | 259 | $1.0M |
| Vision(2 contracts, 2 carriers) | CAREFIRST OF MARYLAND INCCAREFIRST BLUECHOICE INC | 259 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 402 | $92K |
| Short-term disability | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 402 | $81K |
| Long-term disability | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 402 | $81K |
| Prescription drug | CAREFIRST OF MARYLAND INCCAREFIRST BLUECHOICE INC | 259 | $1.0M |
| Other(3 contracts, 3 carriers) | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 402 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 402 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.