| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANKLIN FINANCIAL GROUP LLC3 Filed as: FRANKLIN FINANCIAL GROUP | 11350 MCCORMICK ROAD SUITE 200 EXECUTIVE PLAZA IV HUNT VALLEY, MD 21031 | UNITEDHEALTHCARE INSURANCE COMPANY | -$678 | $57K | $56K | 3.70% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC. | 1 KELLY WAY SPARKS, MD 21152 | UNITEDHEALTHCARE INSURANCE COMPANY | $20K | — | $20K | 1.32% |
| HENRY FRANKLIN3 Filed as: HENRY CB FRANKLIN | 11350 MCCORMICK RD STE 200 EP4 FRANKLIN FINANCIAL GROUP HUNT VALLEY, MD 21031 | DELTA DENTAL OF PENNSYLVANIA | $8K | — | $8K | 10.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES INSURANCE GRP | 1 KELLY WAY SPARKS, MD 21152 | DELTA DENTAL OF PENNSYLVANIA | — | $7K | $7K | 8.74% |
| HASWELL M FRANKLIN JR3 | 11350 MCCORMICK ROAD HUNT VALLEY, MD 21031 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 17.00% |
| HASWELL M FRANKLIN JR3 | 11350 MCCORMICK ROAD HUNT VALLEY, MD 21031 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 17.00% |
| HASWELL M FRANKLIN JR3 | 11350 MCCORMICK ROAD HUNT VALLEY, MD 21031 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 17.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES | 1 KELLY WAY SPARKS, MD 21151 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| TPA BENEFITS LLC3 Filed as: TPA | — | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $643 | — | $643 | 6.00% |
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 | 113 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 113 | $1.5M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 136 | $76K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 101 | $11K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 85 | $28K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 77 | $27K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 54 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.