| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NETWORK MANAGEMENT INC3 | 16721 CARBREO DR NAPLES, FL 34110 | CIGNA HEALH AND LIFE INSURANCE COMPANY AND AFFILIATES | $35K | — | $35K | 8.12% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INSURANCE GROUP INC | 1 KELLY WAY SPARKS GLENCOE, MD 21152 | STANDARD INSURANCE COMPANY | $30K | $5K | $35K | 20.38% |
| NETWORK MANAGEMENT INC3 | 16721 CARBREO DR NAPLES, FL 34110 | STANDARD INSURANCE COMPANY | $23K | — | $23K | 18.77% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS GLENCOE, MD 21152 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 5.36% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INSURANCE GROUP INC | 1 KELLY WAY SPARKS GLENCOE, MD 21152 | STANDARD INSURANCE COMPANY | $8K | $2K | $9K | 12.30% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INSURANCE GROUP INC | 1 KELLY WAY SPARKS GLENCOE, MD 21152 | STANDARD INSURANCE COMPANY | $4K | $1K | $5K | 9.15% |
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 | 804 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 805 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,153 | $429K |
| Vision | CIGNA HEALH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,153 | $429K |
| Life insurance | STANDARD INSURANCE COMPANY | 728 | $170K |
| Short-term disability | STANDARD INSURANCE COMPANY | 641 | $58K |
| Long-term disability | STANDARD INSURANCE COMPANY | 247 | $76K |
| Other | STANDARD INSURANCE COMPANY | 376 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,153 | — |
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.