| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | SYMETRA LIFE INSURANCE COMPANY | $1.9M | — | $1.9M | 13.85% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | METROPOLITAN LIFE INSURANCE COMPANY | $866K | $301K | $1.2M | 12.52% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | METROPOLITAN LIFE INSURANCE COMPANY | $564K | $368K | $932K | 19.48% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASOCIATES INSURANCE GROUP | 1 KELLY WAY SPARKS, MD 21152 | SYMETRA LIFE INSURANCE COMPANY | $984K | — | $984K | 23.40% |
| SF&C SELECT BENEFITS COMM GROUP3 | 10075 RED RUN BLVD SUITE 5500 OWINGS MILLS, MD 21117 | SYMETRA LIFE INSURANCE COMPANY | $298K | — | $298K | 7.08% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $241K | $206K | $447K | 13.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | METROPOLITAN LIFE INSURANCE COMPANY | $139K | $223K | $362K | 12.32% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | SYMETRA LIFE INSURANCE COMPANY | $256K | — | $256K | 9.27% |
| SF&C SELECT BENEFITS COMM GROUP3 | 10075 RED RUN BLVD SUITE 550 OWINGS MILLS, MD 21117 | SYMETRA LIFE INSURANCE COMPANY | $128K | — | $128K | 4.63% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | METROPOLITAN LIFE INSURANCE COMPANY | $82K | $168K | $250K | 11.36% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | VISION SERVICE PLAN | $102K | — | $102K | 5.04% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | SYMETRA LIFE INSURANCE COMPANY | $439K | — | $439K | 22.55% |
| SF&C SELECT BENEFITS COMM GROUP3 | 10075 RED RUN BLVD SUITE 550 OWINGS MILLS, MD 21117 | SYMETRA LIFE INSURANCE COMPANY | $129K | — | $129K | 6.64% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $165K | $66K | $231K | 21.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | HARTFORD LIFE AND ACCIDENT | $50K | $80K | $130K | 13.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | HARTFORD LIFE AND ACCIDENT | $23K | $38K | $61K | 13.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | SYMETRA LIFE INSURANCE COMPANY | $79K | — | $79K | 24.50% |
| SF&C SELECT BENEFITS COMM GROUP3 | 10075 RED RUN BLVD SUITE 5500 OWINGS MILLS, MD 21117 | SYMETRA LIFE INSURANCE COMPANY | $25K | — | $25K | 7.64% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | SYMETRA LIFE INSURANCE COMPANY | $45K | — | $45K | 25.06% |
| SF&C SELECT BENEFITS COMM GROUP3 | 10075 RED RUN BLVD SUITE 550 OWINGS MILLS, MD 21117 | SYMETRA LIFE INSURANCE COMPANY | $14K | — | $14K | 7.94% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | METLIFE LEGAL PLANS | $3K | — | $3K | 10.74% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | METLIFE LEGAL PLANS | $774 | — | $774 | 10.74% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $104 | $62 | $166 | 15.96% |
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 | 48,172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 764 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 48,936 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 19,017 | $9.3M |
| Vision | VISION SERVICE PLAN | 18,307 | $2.0M |
| Life insurance(5 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 17,659 | $7.8M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 17,979 | $7.0M |
| Long-term disability(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 17,979 | $8.5M |
| Other(14 contracts, 5 carriers) | SYMETRA LIFE INSURANCE COMPANY | 17,659 | $31.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,017 | — |
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.