| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY BENEFITS3 Filed as: KELLY INSURANCE & INVESTMENT, INC | 810 E COLLEGE PKWY ANNAPOLIS, MD 21409 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $35K | $35K | 4.80% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC. | 1 KELLY WAY SPARKS, MD 21152 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 1.75% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES, INS GROUP INC | 1 KELLY WAY SPARKS, MD 211529484 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 6.11% |
| KELLY BENEFITS3 Filed as: KELLY INSURANCE & INVESTMENTS INC | 810 E COLLEGE PARKWAY ANNAPOLIS, MD 214095629 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| KELLY BENEFITS3 Filed as: KELLY BENEFITS, INC | 810 E COLLEGE PKWY ANNAPOLIS, MD 21409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 9.37% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA 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 | $2K | — | $2K | 15.01% |
| 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 | 5.00% |
| KELLY BENEFITS3 Filed as: KELLY BENEFITS, INC | 810 E COLLEGE PKWY ANNAPOLIS, MD 21409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.01% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOC INSURANCE GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $549 | $549 | 5.00% |
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 | 280 | 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) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 84 | $737K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 153 | $53K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 153 | $53K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 278 | $26K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 40 | $46K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 84 | $737K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 278 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.