| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANKLIN FINANCIAL GROUP LLC3 Filed as: FRANKLIN FINANCIAL GROUP | 11350 MCCORMICK ROAD SUITE 200 HUNT VALLEY, MD 21031 | CAREFIRST BLUECHOICE | $51K | $7K | $58K | 3.41% |
| KELLY & ASSOCIATES INSURANCE GROUP5 | 1 KELLY WAY SPARKS, MD 21152 | CAREFIRST BLUECHOICE | — | $20K | $20K | 1.20% |
| FRANKLIN FINANCIAL GROUP LLC3 | 11350 MCCORMICK ROAD SUITE 200 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 5.56% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 4.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 22152 | DENTAQUEST MID-ATLANTIC | $9K | — | $9K | 12.00% |
| FRANKLIN FINANCIAL GROUP LLC3 | 11350 MCCORMICK ROAD SUITE 200 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 8.23% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.91% |
| FRANKLIN FINANCIAL GROUP LLC3 | 11350 MCCORMICK ROAD SUITE 200 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.02% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES INSURANCE GROU | 1 KELLY WAY SPARKS, MD 21152 | ADVANTICA REINSURANCE COMPANY | $4K | — | $4K | 16.00% |
| FRANKLIN FINANCIAL GROUP LLC3 | 11350 MCCORMICK ROAD SUITE 200 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURACE COMPANY | $3K | — | $3K | 15.00% |
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 | 322 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 338 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 227 | $1.7M |
| Dental(2 contracts, 2 carriers) | DENTAQUEST MID-ATLANTIC | 271 | $78K |
| Vision | ADVANTICA REINSURANCE COMPANY | 287 | $24K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 313 | $28K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 313 | $90K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 313 | $55K |
| Prescription drug | CAREFIRST BLUECHOICE | 227 | $1.7M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 313 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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.