| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES | 1 KELLY WAY SPARKS, MD 21152 | DOMINION NATIONAL | $6K | $0 | $6K | 6.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | DOMINION NATIONAL | $576 | $0 | $576 | 0.62% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $5K | $11K | 11.70% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $5K | $10K | 12.23% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $3K | $7K | 15.39% |
| ELVERA POLLARD3 | 908 DELAFIELD PL NW SUITE 400 WASHINGTON, DC 20011 | AFLAC | $2K | $122 | $2K | 9.53% |
| DANIEL E ALTMIRE3 | 12800 MIDDLEBROOK RD STE 490 GERMANTOWN, MD 20874 | AFLAC | $876 | $35 | $911 | 4.07% |
| TONYA TURNER3 | 3684 HOLBORN PL FREDERICK, MD 21704 | AFLAC | $665 | $43 | $708 | 3.16% |
| ARON D TERAN3 | 3684 HOLBORN PL FREDERICK, MD 21704 | AFLAC | $324 | $16 | $340 | 1.52% |
| MARK JOHNSTON3 | 934 SWEENEY DR STE 8 HAGERSTOWN, MD 21740 | AFLAC | $245 | $29 | $274 | 1.22% |
| PETER J HELIOTIS3 | 203 NORMANDY DR SILVER SPRING, MD 20901 | AFLAC | $177 | $22 | $199 | 0.89% |
| GREGG S LILIENFIELD3 | 1100 HIGGINS PL APT 103 ROCKVILLE, MD 20852 | AFLAC | $124 | $0 | $124 | 0.55% |
| DIVYA JAIN3 | 4401 FAIR LAKES CT SUITE 304 FAIRFAX, VA 22033 | AFLAC | $122 | $0 | $122 | 0.54% |
| BENJAMIN KLINGER3 | 5503 SPRUCE TREE AVE BETHESDA, MD 20814 | AFLAC | $65 | $0 | $65 | 0.29% |
| ROBIN STROUD3 | 4196 MERCHANT PLZ #456 WOODBRIDGE, VA 22192 | AFLAC | $38 | $0 | $38 | 0.17% |
| ANIBAR MEJIA3 Filed as: ANIBAR STEVE MEJIA | 7401 EASTMORE RD APT 611 ANNADALE, VA 22003 | AFLAC | $28 | $0 | $28 | 0.13% |
| ANASTASIA BARANOV3 | 1905 CARTER MILL WAY BROOKEVILLE, MD 21104 | AFLAC | $23 | $4 | $27 | 0.12% |
| DAVID SCHENKEL JR3 | 2141 INDUSTRIAL PKWY SUITE 204 SILVER SPRING, MD 20904 | AFLAC | $20 | $4 | $24 | 0.11% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $8 | $0 | $8 | 0.04% |
| JEREMY A FELDMAN3 | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $7 | $0 | $7 | 0.03% |
| EDWIN VEGA3 | 134 PINECOVE AVENUE ODENTON, MD 21113 | AFLAC | $4 | $0 | $4 | 0.02% |
| KELLY LYNN FELDMAN3 | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $3 | $0 | $3 | 0.01% |
| YVONNE CRISPINO KLINGER3 | 152 ROLLINS AVENUE SUITE 210 ROCKVILLE, MD 20852 | AFLAC | $3 | $0 | $3 | 0.01% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $1K | $3K | 16.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | ADVANTICA REINSURANCE COMPANY | $2K | $0 | $2K | 16.00% |
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 | 227 | 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) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DOMINION NATIONAL | 197 | $93K |
| Vision | ADVANTICA REINSURANCE COMPANY | 197 | $10K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 227 | $97K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 227 | $91K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 227 | $48K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 227 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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.