Filings through .
History & trajectory Charts need 2 or more years. This plan has 10 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingBroker compensation exceeds 5% of premium. This is a small-plan minimum fee or a costly broker setup that a competing bid can beat.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
Broker: Kelly & Associates Insurance Group Other | Other | |
Broker: Kelly & Associates Insurance Group DentalSTDLifeOther | DentalSTDLifeOther |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 9 contracts with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 2,521 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,544 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,332 | $1.1M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,249 | $320K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 837 | $301K |
| Other(7 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,249 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,332 | - |
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 instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
| Broker | Commissions |
|---|---|
Carrier: Symetra Life Insurance Company | |
Carrier: Symetra Life Insurance Company | |
Carrier: Symetra Life Insurance Company | |
Carrier: Metlife Legal Plans |
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST - KELLY EIN 52-1385894 NONE | Insurance services; Insurance agents and brokers; Claims processing Service code 12 | — | $461K |
| VSP - KELLY EIN 23-7089668 NONE | Claims processing; Insurance services; Insurance agents and brokers; Contract Administrator Service code 12 | — | $39K |
| HEALTH ADVOCATE EIN 23-3080019 NONE | Contract Administrator Service code 13 | — | $0 |
| NASCO EIN 58-1767730 NONE | Claims processing Service code 12 | — | $0 |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
2 contacts
Phone and email for the top hat administrator are on Pro.
11 filings · 2015 to 2025