| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | SYMETRA FINANCIAL | $1.6M | — | $1.6M | 14.97% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | METROPOLITAN LIFE INSURANCE COMPANY | $855K | $81K | $935K | 10.78% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASOCIATES INSURANCE GROUP | 1 KELLY WAY SPARKS, MD 21152 | SYMETRA FINANCIAL | $340K | — | $340K | 15.64% |
| SF&C SELECT BENEFITS COMM GROUP3 | 10075 RED RUN BLVD SUITE 550 OWINGS MILLS, MD 21117 | SYMETRA FINANCIAL | $170K | — | $170K | 7.82% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | VISION SERVICE PLAN | $75K | — | $75K | 4.10% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | SYMETRA FINANCIAL | $390K | — | $390K | 25.49% |
| SF&C SELECT BENEFITS COMM GROUP3 | 10075 RED RUN BLVD SUITE 550 OWINGS MILLS, MD 21152 | SYMETRA FINANCIAL | $119K | — | $119K | 7.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST EIN 52-1385894 NONE | Contract Administrator Service code 13 | — | $6.9M |
| HEALTH ADVOCATE EIN 23-3080019 NONE | Contract Administrator Service code 13 | — | $259K |
| KELLY EIN 52-1066374 NONE | Insurance agents and brokers Service code 22 | — | $231K |
| 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 | 19,296 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 692 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 19,988 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 19,296 | $8.7M |
| Vision | VISION SERVICE PLAN | 17,481 | $1.8M |
| Other(3 contracts) | SYMETRA FINANCIAL | 4,995 | $14.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,296 | — |
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.