| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMMERCIAL INSURANCE MANAGERS3 | 8600 FOUNDRY STREET SAVAGE, MD 20763 | AETNA HEALTH, INC. | — | $3K | $3K | 0.23% |
| COMMERCIAL INSURANCE MANAGERS3 | 8600 FOUNDRY STREET BOX 2030 SAVAGE, MD 20763 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 8.34% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INSURANCE G | 1 KELLY WAY SPARKS, MD 21152 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 4.81% |
| COMMERCIAL INSURANCE MANAGERS3 | 8600 FOUNDRY STREET SAVAGE, MD 20763 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 4.56% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GRP | 1 KELLY WAY SPARKS, MD 21152 | AETNA LIFE INSURANCE CO. | $1K | — | $1K | 1.53% |
| COMMERCIAL INSURANCE MANAGERS3 | 8600 FOUNDRY STREET BOX 2030 SAVAGE, MD 20763 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 13.75% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INSURANCE G | 1 KELLY WAY SPARKS, MD 21152 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $765 | $765 | 4.59% |
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 | 214 | 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) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 202 | $68K |
| Vision | AETNA LIFE INSURANCE CO. | 202 | $68K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 224 | $125K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 224 | $108K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 224 | $108K |
| Stop-loss / reinsurancereinsurance | AETNA HEALTH, INC. | 200 | $1.1M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 224 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.