| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | SYMETRA | $202K | — | $202K | 9.19% |
| SF&C SELECT BENEFITS COMM GROUP3 Filed as: SF&C SELECT BENEFITS COMMUNICATIONS | 10075 RED RUN BOULEVARD SUITE 550 OWINGS MILLS, MD 21204 | SYMETRA | $128K | — | $128K | 5.83% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | SYMETRA LIFE INSURANCE COMPANY | $20K | — | $20K | 18.84% |
| SF&C SELECT BENEFITS COMM GROUP3 Filed as: SF&C SELECT BEENFITS COMM GROUP | 10075 RED RUN BLVD STE 550 OWINGS MILLS, MD 21117 | SYMETRA LIFE INSURANCE COMPANY | $5K | — | $5K | 4.36% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INSRUANCE GROUP | 1 KELLY WAY SPARKS, MD 21152 | SYMETRA LIFE INSURANCE COMPANY | $8K | — | $8K | 10.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST EIN 52-1385894 NONE | Contract Administrator Service code 13 | — | $5.6M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Contract Administrator Service code 13 | — | $492K |
| VISION SERVICE PLAN EIN 23-7089668 NONE | Contract Administrator Service code 13 | — | $109K |
| KELLY EIN 52-1066374 NONE | Insurance agents and brokers Service code 22 | — | $98K |
| SERVICE PROVIDER CAREMARK PCS EIN 75-2882129 NONE | Contract Administrator Service code 13 | — | $10K |
| ACS RECOVERY SERVICES, INC EIN 36-4129787 NONE | Claims processing Service code 12 | — | $0 |
| HEALTH ADVOCATE EIN 23-3080019 NONE | Insurance services; Contract Administrator Service code 13 | — | $0 |
| NASCO EIN 58-1767730 NONE | Contract Administrator Service code 13 | — | $0 |
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 | 15,951 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 172 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other(3 contracts, 2 carriers) | SYMETRA | 4,334 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,334 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.