| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC. INS. GROUP INC. | 1 KELLY WAY SPARKS GLENCOE, MD 21152 | HARTFORD LIFE AND ACCIDENT | $41K | $27K | $68K | 20.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC. | P.O. BOX 13784 NEWARK, NJ 07188 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $17K | $2K | $19K | 10.94% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC. INS. GROUP INC. | 1 KELLY WAY SPARKS, MD 21152 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | — | $5K | 2.93% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MD | 225 SCHILLING CIRCLE SUITE 150 HUNT VALLEY, MD 21031 | ARAG INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY AND ASSOCIATES | 11300 ROCKVILLE PIKE ROCKVILLE, MD 20852 | ARAG INSURANCE COMPANY | — | $1K | $1K | 5.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS HRH | 12505 PARK POTOMAC AVENUE POTOMAC, MD 20854 | EYEMED | $999 | — | $999 | 8.90% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES | 1 KELLY WAY SPARKS, MD 21152 | EYEMED | $300 | — | $300 | 2.67% |
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 | 430 | 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) | 431 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 370 | $176K |
| Vision | EYEMED | 212 | $11K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 424 | $341K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 424 | $341K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 424 | $341K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 424 | $365K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 424 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.