| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | UNITED HEALTHCARE INSURANCE COMPANY | $25K | $1K | $26K | 3.26% |
| COMMERCIAL INSURANCE MANAGERS3 Filed as: COMMERCIAL INSURANCE MANAGERS INC | 8170 LARK BROWN RD STE 203 ELKRIDGE, MD 21075 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 0.52% |
| COMMERCIAL INSURANCE MANAGERS3 Filed as: COMMERCIAL INSURANCE MANAGERS INC | 8600 FOUNDRY ST STE 2030 SAVAGE, MD 20763 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11K | — | $11K | 14.00% |
| JAY E. BLACK3 Filed as: JAY BLACK | 1400 MIDHURST CT BEL AIR, MD 21014 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10K | — | $10K | 12.90% |
| SONIA A VIDAL-AWBREY3 Filed as: SONIA VIDAL-AWBREY | 2665 PROSPERITY AVE FAIRFAX, VA 22031 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 9.89% |
| ANN MARIE BENT3 | 551 ORCHID HAMMOCK DRIVE WEST PALM BEACH, FL 33412 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 9.89% |
| COMMERCIAL INSURANCE MANAGERS3 Filed as: COMMERCIAL INSURANCE MANAGERS INC | 8170 LARK BROWN RD #102 ELKRIDGE, MD 21076 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 9.45% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP | 1 KELLY WAY SPARKS, MD 21152 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 4.62% |
| COMMERCIAL INSURANCE MANAGERS3 Filed as: COMMERCIAL INSURANCE MANAGERS INC | 8600 FOUNDRY ST STE 2030 SAVAGE, MD 20763 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.05% |
| JAY E. BLACK3 Filed as: JAY BLACK | 1400 MIDHURST COURT BEL AIR, MD 21014 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 6.34% |
| SONIA A VIDAL-AWBREY3 Filed as: SONIA VIDAL-AWBREY | 2665 PROSPERITY AVE APT113 FAIRFAX, VA 22031 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.04% |
| ANN MARIE BENT3 | 7551 ORCHID HAMMMOCK DRIVE WEST PALM BEACH, FL 33412 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.04% |
| COMMERCIAL INSURANCE MANAGERS3 | 6600 FOUNDRY STREET SAVAGE, MD 20763 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $549 | $549 | 5.00% |
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 | 168 | 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) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 129 | $794K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 129 | $794K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 129 | $794K |
| Life insurance(3 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 168 | $142K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 94 | $77K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 168 | $55K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 168 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.