| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE ASSOCIATES INC3 Filed as: INSURANCE ASSOCIATES, INC. | 21 CHURCH STREET SUITE 100 ROCKVILLE, MD 20850 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $16K | — | $16K | 5.04% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INSURANCE GRP IN | 1 KELLY WAY SPARKS, MH 211529484 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $6K | — | $6K | 2.00% |
| INSURANCE ASSOCIATES INC3 Filed as: INSURANCE ASSOCIATES, INC. | 21 CHURCH STREET SUITE 100 ROCKVILLE, MD 20850 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 8.64% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MH 211529484 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 5.15% |
| INSURANCE ASSOCIATES INC3 Filed as: INSURANCE ASSOCIATES, INC. | 21 CHURCH STREET SUITE 100 ROCKVILLE, MD 20850 | HUMANA | $2K | — | $2K | 5.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC. | ONE CHURCH STREET SUITE 500 ROCKVILLE, MD 208504178 | HUMANA | $314 | — | $314 | 0.68% |
| INDEPENDENT INS CTR INC3 | PO BOX 2303 LEESBURG, VA 201777615 | UNITED HEALTHCARE INSURANCE COMPANY | $863 | — | $863 | 14.93% |
| INSURANCE ASSOCIATES INC3 Filed as: INSURANCE ASSOCIATES, INC. | 21 CHURCH STREET SUITE 100 ROCKVILLE, MD 20850 | UNITED HEALTHCARE INSURANCE COMPANY | $785 | — | $785 | 13.58% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP, INC. | 1 KELLY WAY SPARKS, MH 211529484 | UNITED HEALTHCARE INSURANCE COMPANY | $78 | — | $78 | 1.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $62K |
| INSURANCE ASSOCIATES, INC. EIN 53-0231656 BROKER | Other commissions Service code 55 | ONE CHURCH STREET SUITE 500 ROCKVILLE, MD 20850 | $37K |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 117 | $321K |
| Dental | HUMANA | 101 | $46K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 88 | $6K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 131 | $116K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 131 | $116K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 131 | $116K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 131 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.