| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY BENEFITS3 Filed as: KELLY INSURANCE & INVESTMENT, INC | 810 E COLLEGE PKWY SUITE 200 ANNAPOLIS, MD 21409 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $29K | $11K | $40K | 9.20% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INS GROUP INC. | 1 KELLY WAY SPARKS, MD 21152 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $7K | $28 | $8K | 1.74% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES, INS GROUP INC | 1 KELLY WAY SPARKS GLENCOE, MD 211529484 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $946 | $3K | 6.11% |
| KELLY BENEFITS3 Filed as: KELLY INSURANCE & INVESTMENTS | 99 CATHEDRAL ST ANNAPOLIS, MD 212012745 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| KELLY BENEFITS3 Filed as: KELLY BENEFITS, INC | 810 E COLLEGE PKWY ANNAPOLIS, MD 21409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 10.05% |
| KELLY BENEFITS5 Filed as: KELLY BENEFITS, INC | 810 E COLLEGE PKWY ANNAPOLIS, MD 21409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.31% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $761 | $761 | 1.69% |
| KELLY BENEFITS3 Filed as: KELLY BENEFITS, INC | 810 E COLLEGE PKWY ANNAPOLIS, MD 21409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.01% |
| KELLY BENEFITS5 Filed as: KELLY BENEFITS, INC | 810 E COLLEGE PKWY ANNAPOLIS, MD 21409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $379 | $379 | 3.35% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $187 | $187 | 1.65% |
| KELLY BENEFITS3 Filed as: KELLY BENEFITS, INC | 810 E COLLEGE PKWY ANNAPOLIS, MD 21409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $976 | — | $976 | 10.04% |
| KELLY BENEFITS5 Filed as: KELLY BENEFITS, INC | 810 E COLLEGE PKWY ANNAPOLIS, MD 21409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $327 | $327 | 3.36% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $159 | $159 | 1.64% |
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 | 292 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 123 | $432K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 146 | $47K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 146 | $47K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 246 | $21K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 40 | $45K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 123 | $432K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 246 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.