| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | SYMETRA FINANCIAL | $1.1M | — | $1.1M | 15.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | METROPOLITAN LIFE INSURANCE COMPANY | $689K | $114K | $802K | 11.18% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | VISION SERVICE PLAN | $76K | — | $76K | 5.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASOCIATES INSURANCE GROUP | 1 KELLY WAY SPARKS, MD 21152 | SYMETRA FINANCIAL | $419K | — | $419K | 28.10% |
| SF&C SELECT BENEFITS COMM GROUP3 | 10075 RED RUN BLVD SUITE 550 OWINGS MILLS, MD 21117 | SYMETRA FINANCIAL | $270K | — | $270K | 18.10% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | SYMETRA FINANCIAL | $320K | — | $320K | 28.12% |
| SF&C SELECT BENEFITS COMM GROUP3 | 10075 RED RUN BLVD SUITE 550 OWINGS MILLS, MD 21152 | SYMETRA FINANCIAL | $206K | — | $206K | 18.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST EIN 52-1385894 NONE | Contract Administrator Service code 13 | — | $4.9M |
| HEALTH ADVOCATE EIN 23-3080019 NONE | Contract Administrator Service code 13 | — | $195K |
| 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 | 17,742 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 650 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 18,392 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 17,338 | $7.2M |
| Vision | VISION SERVICE PLAN | 14,668 | $1.5M |
| Other(3 contracts) | SYMETRA FINANCIAL | 3,452 | $10.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,338 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.