| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ISI OF MARYLAND LLC3 | 170 JENNIFER RD STE 130 ANNAPOLIS, MD 21401 | UNITEDHEALTHCARE INSURANCE COMPANY | $37K | $0 | $37K | 3.50% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INSURANCE GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITEDHEALTHCARE INSURANCE COMPANY | $25K | $0 | $25K | 2.39% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES | 1 KELLY WAY SPARKS, MD 22152 | DENTAQUEST MID-ATLANTIC, INC. | $7K | $0 | $7K | 12.00% |
| ISI OF MARYLAND LLC3 | 151 WEST ST STE 303 ANNAPOLIS, MD 21401 | SYMETRA LIFE INSURANCE COMPANY | $7K | $2K | $10K | 19.27% |
| GROUP VISION SERVICES MGMT INC3 Filed as: GROUP VISION SERVICE INC | 6700 ALEXANDER BELL DR #200 COLUMBIA, MD 21046 | FIDELITY SECURITY LIFE INSURANCE | $0 | $435 | $435 | 7.94% |
| ISI OF MARYLAND LLC3 | 151 W ST #303 ANNAPOLIS, MD 21401 | FIDELITY SECURITY LIFE INSURANCE | $384 | $0 | $384 | 7.01% |
| FORREST T JONES AND COMPANY, INC3 Filed as: FORREST T JONES & CO | GROUP INSURANCE ADMINISTRATORS 3130 BROADWAY KANSAS CITY, MO 64141 | FIDELITY SECURITY LIFE INSURANCE | $0 | $220 | $220 | 4.01% |
| FIRST AMERICAN ADMIN3 Filed as: FIRST AMERICAN ADMIN - EYEMED | 14670 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | FIDELITY SECURITY LIFE INSURANCE | $0 | $169 | $169 | 3.08% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES | 1 KELLY WAY SPARKS, MD 21152 | FIDELITY SECURITY LIFE INSURANCE | $0 | $165 | $165 | 3.01% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES | 301 INTERNATIONAL CIRCLE COCKEYSVILLE, MD 21030 | DOMINION DENTAL SERVICES, INC. | $441 | $0 | $441 | 11.57% |
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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 274 | $1.0M |
| Dental(2 contracts, 2 carriers) | DENTAQUEST MID-ATLANTIC, INC. | 263 | $61K |
| Vision | FIDELITY SECURITY LIFE INSURANCE | 98 | $5K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 181 | $50K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 181 | $50K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 181 | $50K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 181 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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.