| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INS GROUP INC | 1 KELLY WAY ATTENTION CRAIG S HORNER CFO SPARKS GLENCO, MD 21152 | STANDARD INSURANCE COMPANY | $18K | $0 | $18K | 12.36% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC INS GROUP INC | 1 KELLY WAY ATTENTION CRAIG S HORNER CFO SPARKS GLENCO, MD 21152 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.39% |
| FINANCIAL BENEFITS SER3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | — | $13K | 10.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INS GROUP INC | 1 KELLY WAY SPARKS GLENCO, MD 21152 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 13.70% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INS GROUP INC | 1 KELLY WAY SPARKS GLENO, MD 21152 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 1.93% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INS GROUP INC | 1 KELLY WAY SPARKS GLENCO, MD 21152 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 12.48% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INS GROP INC | 1 KELY WAY SPARKS GLENCO, MD 21152 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 1.93% |
| FINANCIAL BENEFIT SERVICES LLC3 Filed as: FINANCIAL BENEFIT SERVICES | 10 POST OFFICE ROAD SUITE 233 CAPITOL VIEW, MD 20910 | EYEMED | $2K | — | $2K | 8.77% |
| WILLIAM B MINTURN3 | 10 POST OFFICE ROAD SILVER SPRINGS, MD 20910 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $54 | — | $54 | 10.15% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS INSURANCE SERVICES | 615 PIIKOI STREET SUITE 1901 HONOLULU, HI 96814 | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | $51 | — | $51 | 14.91% |
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 | 412 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 13 | $129K |
| Vision | EYEMED | 591 | $26K |
| Life insurance | STANDARD INSURANCE COMPANY | 403 | $147K |
| Short-term disability(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 402 | $82K |
| Long-term disability | STANDARD INSURANCE COMPANY | 403 | $74K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 298 | $308K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 403 | $277K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 591 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.