| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | GHMSI / CAREFIRST BLUECHOICE | $77K | $11K | $87K | 5.70% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOC INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | GHMSI / CAREFIRST BLUECHOICE | — | $15K | $15K | 0.97% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOC INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $6K | $10K | 10.32% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.14% |
| ROBERT P QUINN3 | 1101 WOOTTON PKWY, SUITE 580 ROCKVILLE, MD 20852 | NORTHWESTERN MUTUAL | $2K | $491 | $2K | 7.74% |
| SCOTT D BUTLER3 | 1101 WOOTTON PKWY, SUITE 580 ROCKVILLE, MD 20852 | NORTHWESTERN MUTUAL | $321 | $76 | $397 | 1.27% |
| WASHINGTON GROUP LLC3 Filed as: WASHINGTON GRP LLC | 1801 K ST NW STE 210 WASHINGTON, DC 20006 | NORTHWESTERN MUTUAL | $285 | $25 | $310 | 0.99% |
| ROBERT P QUINN3 | 1101 WOOTTON PKWY, SUITE 580 ROCKVILLE, MD 20852 | NORTHWESTERN MUTUAL | $1K | $260 | $1K | 4.75% |
| SCOTT D BUTLER3 | 1101 WOOTTON PKWY, SUITE 580 ROCKVILLE, MD 20852 | NORTHWESTERN MUTUAL | $170 | $40 | $210 | 0.78% |
| WASHINGTON GROUP LLC3 Filed as: WASHINGTON GRP LLC | 1101 WOOTTON PKWY, SUITE 580 ROCKVILLE, MD 20852 | NORTHWESTERN MUTUAL | $152 | $13 | $165 | 0.61% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $259 | $2K | 16.87% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOC INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $695 | $695 | 5.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $256 | $2K | 16.86% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOC INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $688 | $688 | 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 | 112 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GHMSI / CAREFIRST BLUECHOICE | 128 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 259 | $101K |
| Vision | GHMSI / CAREFIRST BLUECHOICE | 128 | $1.5M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 259 | $101K |
| Short-term disability(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 137 | $41K |
| Long-term disability(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 137 | $45K |
| Prescription drug | GHMSI / CAREFIRST BLUECHOICE | 128 | $1.5M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 259 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.