| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | AETNA LIFE INSURANCE COMPANY | $4.1M | — | $4.1M | 10.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | METROPOLITAN LIFE INSURANCE COMPANY | $479K | $3K | $481K | 10.22% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | AETNA LIFE INSURANCE COMPANY | $241K | — | $241K | 15.39% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | SYMETRA | $112K | — | $112K | 10.53% |
| SF&C SELECT BENEFITS COMM GROUP3 Filed as: SF&C SELECT BENEFITS | 10075 RED RUN BLVD OWINGS MILLS, MD 21204 | SYMETRA | $56K | — | $56K | 5.26% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | VISION SERVICE PLAN | $49K | — | $49K | 5.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | SYMETRA | $90K | — | $90K | 15.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH ADVOCATE EIN 23-3080019 NONE | Contract Administrator Service code 13 | — | $61K |
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 | 11,824 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 364 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AETNA LIFE INSURANCE COMPANY | 10,560 | $42.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 10,157 | $4.7M |
| Vision | VISION SERVICE PLAN | 8,515 | $986K |
| Other(2 contracts) | SYMETRA | 1,188 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,560 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.