| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | SYMETRA LIFE INSURANCE COMPANY | $247K | — | $247K | 14.95% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | HARTFORD LIFE AND ACCIDENT | $86K | $66K | $152K | 17.49% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | SYMETRA LIFE INSURANCE COMPANY | $169K | — | $169K | 22.69% |
| SF&C SELECT BENEFITS COMM GROUP3 | 10075 RED RUN BLVD SUITE 550 OWINGS MILLS, MD 21117 | SYMETRA LIFE INSURANCE COMPANY | $48K | — | $48K | 6.39% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | SYMETRA LIFE INSURANCE COMPANY | $70K | — | $70K | 9.93% |
| SELECT BENEFITS3 | 10075 RED RUN BOULEVARD SUITE 550 OWINGS MILLS, MD 21117 | SYMETRA LIFE INSURANCE COMPANY | $35K | — | $35K | 4.97% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | SYMETRA LIFE INSURANCE COMPANY | $87K | — | $87K | 21.65% |
| SF&C SELECT BENEFITS COMM GROUP3 | 10075 RED RUN BLVD STE 550 OWINGS MILLS, MD 21117 | SYMETRA LIFE INSURANCE COMPANY | $24K | — | $24K | 5.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST - KELLY EIN 52-1385894 NONE | Insurance services; Claims processing; Insurance agents and brokers Service code 12 | — | $733K |
| METROPOLITAN LIFE - KELLY EIN 13-5581829 NONE | Insurance agents and brokers; Insurance services; Contract Administrator; Claims processing Service code 12 | — | $392K |
| VSP - KELLY EIN 23-7089668 NONE | Claims processing; Insurance services; Insurance agents and brokers; Contract Administrator Service code 12 | — | $64K |
| HEALTH ADVOCATE EIN 23-3080019 NONE | Contract Administrator Service code 13 | — | $0 |
| NASCO EIN 58-1767730 NONE | Claims processing Service code 12 | — | $0 |
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 | 3,260 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 142 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,402 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,668 | $868K |
| Other(5 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,668 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,668 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.