| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | SYMETRA LIFE INSURANCE COMPANY | $2.1M | — | $2.1M | 14.97% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | METROPOLITAN LIFE INSURANCE COMPANY | $944K | $103K | $1.0M | 12.02% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $241K | $207K | $448K | 13.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | HARTFORD LIFE AND ACCIDENT | $180K | $219K | $399K | 12.54% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASOCIATES INSURANCE GROUP | 1 KELLY WAY SPARKS, MD 21152 | SYMETRA LIFE INSURANCE COMPANY | $774K | — | $774K | 24.54% |
| SF&C SELECT BENEFITS COMM GROUP3 | 10075 RED RUN BLVD SUITE 5500 OWINGS MILLS, MD 21117 | SYMETRA LIFE INSURANCE COMPANY | $229K | — | $229K | 7.27% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | METROPOLITAN LIFE INSURANCE COMPANY | $425K | $29K | $455K | 17.50% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | SYMETRA LIFE INSURANCE COMPANY | $230K | — | $230K | 10.00% |
| SF&C SELECT BENEFITS COMM GROUP3 | 10075 RED RUN BLVD SUITE 550 OWINGS MILLS, MD 21117 | SYMETRA LIFE INSURANCE COMPANY | $115K | — | $115K | 5.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | VISION SERVICE PLAN | $95K | — | $95K | 4.85% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | HARTFORD LIFE AND ACCIDENT | $175K | $140K | $314K | 18.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | SYMETRA LIFE INSURANCE COMPANY | $349K | — | $349K | 22.90% |
| SF&C SELECT BENEFITS COMM GROUP3 | 10075 RED RUN BLVD SUITE 550 OWINGS MILLS, MD 21117 | SYMETRA LIFE INSURANCE COMPANY | $98K | — | $98K | 6.45% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | HARTFORD LIFE AND ACCIDENT | $66K | $36K | $102K | 8.40% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $162K | $65K | $227K | 21.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | SYMETRA LIFE INSURANCE COMPANY | $31K | — | $31K | 21.07% |
| SF&C SELECT BENEFITS COMM GROUP3 | 10075 RED RUN BLVD SUITE 5500 OWINGS MILLS, MD 21117 | SYMETRA LIFE INSURANCE COMPANY | $8K | — | $8K | 5.53% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | SYMETRA LIFE INSURANCE COMPANY | $19K | — | $19K | 19.31% |
| SF&C SELECT BENEFITS COMM GROUP3 | 10075 RED RUN BLVD SUITE 550 OWINGS MILLS, MD 21117 | SYMETRA LIFE INSURANCE COMPANY | $5K | — | $5K | 4.66% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $94 | $56 | $150 | 15.81% |
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 | 48,048 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,143 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 49,191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 20,063 | $8.7M |
| Vision | VISION SERVICE PLAN | 18,011 | $2.0M |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 10,604 | $3.4M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 7,851 | $1.7M |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 17,245 | $3.8M |
| Other(10 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 21,374 | $29.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,374 | — |
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.