| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REILLY BENEFITS, INC3 Filed as: REILLY BENEFITS INC | 5419 DEALE CHURCHTON ROAD SUITE 106 CHURCHTON, MD 20733 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $62K | $62K | 4.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $10K | $10K | 0.68% |
| REILLY BENEFITS, INC3 Filed as: REILLY BENEFITS, INC. | 1004 WINDJAMMER COURT CHURCHTON, MD 20733 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $114 | $9K | 15.19% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $571 | $571 | 0.99% |
| REILLY BENEFITS, INC3 Filed as: REILLY BENEFITS INC | 1004 WINDJAMMER COURT CHURCHTON, MD 20733 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $112 | $9K | 15.20% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $561 | $561 | 0.99% |
| REILLY BENEFITS, INC3 | 1004 WINDJAMMER COURT CHURCHTON, MD 20733 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $67 | $6K | 15.17% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $409 | $409 | 1.04% |
| REILLY BENEFITS, INC3 Filed as: REILLY BENEFITS INC | 5419 DEALE CHURCHTON ROAD SUITE 106 CHURCHTON, MD 20733 | ADVANTICA REINSURANCE COMPANY | $4K | — | $4K | 10.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INSURANCE GROUP | 1 KELLY WAY SPARKS, MD 21152 | ADVANTICA REINSURANCE COMPANY | $650 | — | $650 | 1.80% |
| REILLY BENEFITS, INC3 | 1004 WINDJAMMER COURT CHURCHTON, MD 20733 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $29 | $2K | 15.19% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $143 | $143 | 0.99% |
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 | 235 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 139 | $1.5M |
| Vision | ADVANTICA REINSURANCE COMPANY | 389 | $36K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 234 | $14K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 234 | $57K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 234 | $58K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 234 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 389 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.