| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $11K | — | $11K | 10.69% |
| JORDAN S WEINBERG3 Filed as: JORDAN WEINBERG | 1425 CLARKVIEW ROAD SUITE 800 BALTIMORE, MD 21209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $950 | $5K | 8.68% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 6.00% |
| JORDAN S WEINBERG3 Filed as: JORDAN WEINBERG | 1425 CLARKVIEW ROAD SUITE 800 BALTIMORE, MD 21209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $790 | $4K | 8.04% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 6.00% |
| GEORGE FRANKLIN3 Filed as: GEORGE C FRANKLIN | P.O. BOX 1314 HUNT VALLEY, MD 21030 | AFLAC | $5K | — | $5K | 11.65% |
| MARK R KOWALSKI3 | 33 BRYAN COURT GETTYSBURG, PA 17325 | AFLAC | $708 | — | $708 | 1.78% |
| MATTHEW W EVANS3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $530 | — | $530 | 1.33% |
| DREW SKIBITSKY3 | 1000 FELL STREET APARTMENT 827 BALTIMORE, MD 21231 | AFLAC | $515 | — | $515 | 1.29% |
| ELLEN M SAVAL3 | 11286 TERRACE LANE FULTON, MD 20759 | AFLAC | $391 | — | $391 | 0.98% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $358 | — | $358 | 0.90% |
| MATTHEW W EVANS3 | 817 MAIDEN CHOICE LANE SUITE 340 CATONSVILLE, MD 21228 | AFLAC | $320 | — | $320 | 0.80% |
| CAROLINE D MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $295 | — | $295 | 0.74% |
| KENNETH B COFER3 | 5950 SYMPHONY WOODS ROAD SUITE 214 COLUMBIA, MD 21044 | AFLAC | $116 | — | $116 | 0.29% |
| JEAN CLAUDE FRESNEL JR3 | 700 12TH STREET NORTHWEST SUITE 700 WASHINGTON, DC 20005 | AFLAC | $105 | — | $105 | 0.26% |
| SABERNIA FRESNEL3 | 31 CHESTNUT HILL ROAD FOREST HILL, MD 21050 | AFLAC | $97 | — | $97 | 0.24% |
| CATHLENE H FUNK3 | 12 COLONIAL OAKS COURT PHOENIX, MD 21131 | AFLAC | $31 | — | $31 | 0.08% |
| DONNA M ZAHNER3 | 5124 SCENIC DRIVE PERRY HALL, MD 21128 | AFLAC | $11 | — | $11 | 0.03% |
| JOHN T PAULINY3 | 12 COLONIAL OAKS COURT PHOENIX, MD 21131 | AFLAC | $11 | — | $11 | 0.03% |
| TAMMY E JONES3 | 722 CYPRIAN COURT GAMBRILLS, MD 21054 | AFLAC | $10 | — | $10 | 0.03% |
| DANIEL V ADAMS3 | 1814 C STREET NORTHEAST WASHINGTON, DC 20002 | AFLAC | $9 | — | $9 | 0.02% |
| JENNA ZAHNER3 | 9225 BRETTON REEF ROAD PARKVILLE, MD 21234 | AFLAC | $9 | — | $9 | 0.02% |
| ERIC M SILVERMAN3 | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | AFLAC | $6 | — | $6 | 0.02% |
| MEGAN R SILVERMAN3 | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | AFLAC | $1 | — | $1 | 0.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES | 301 INTERNATIONAL CIRCLE HUNT VALLEY, MD 21030 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 18.24% |
| JORDAN S WEINBERG3 Filed as: JORDAN WEINBERG | 1425 CLARKVIEW ROAD SUITE 800 BALTIMORE, MD 21209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $239 | $2K | 17.07% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $693 | $693 | 6.00% |
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 | 205 | 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) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 168 | $99K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 121 | $18K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 205 | $46K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 205 | $53K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 43 | $12K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 205 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.