| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $50K | $50K | 2.99% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES | 1 KELLY WAY SPARKS, MD 21152 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $33K | $33K | 1.99% |
| KELLER BENEFIT SERVICES, INC.3 | 7316 WISCONSIN AVENUE BETHESDA, MD 20814 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $16K | $16K | 0.99% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | SUN LIFE ASSURANCE COMPANY OF CANADA | $20K | $3K | $24K | 13.78% |
| KELLER BENEFIT SERVICES, INC.3 | 7316 WISCONSIN AVENUE BETHESDA, MD 20814 | SUN LIFE ASSURANCE COMPANY OF CANADA | $914 | — | $914 | 0.53% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 1133 WESTCHESTER AVENUE WHITE PLAINS, NY 10604 | SUN LIFE ASSURANCE COMPANY OF CANADA | $708 | — | $708 | 0.41% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES | 1 KELLY WAY SPARKS, MD 27612 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $7K | $7K | 4.60% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE | 3975 FAIR RIDGE DR FAIRFAX, VA 22033 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 2.50% |
| KELLER BENEFIT SERVICES, INC.3 | 7316 WISCONSIN AVENUE BETHESDA, MD 20814 | SUN LIFE ASSURANCE COMPANY OF CANADA | $705 | — | $705 | 0.50% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS DBA BENEFITMALL | 1133 WESTCHESTER AVENUE WHITE PLAINS, NY 10604 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $571 | $571 | 0.40% |
| MICHAEL BENDER3 | 1803 RESEARCH BLVD STE 400 ROCKVILLE, MD 20850 | AFLAC | $4K | $315 | $4K | 11.36% |
| BENJAMIN KLINGER3 | 5503 SPRUCE TREE AVE BETHESDA, MD 20814 | AFLAC | $300 | — | $300 | 0.79% |
| MARK JOHNSTON3 | 124 UNDERKE TERRACE HEDGESVILLE, WV 25427 | AFLAC | $191 | $63 | $254 | 0.67% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT MARRIOTTSVILLE, MD 21104 | AFLAC | $224 | — | $224 | 0.59% |
| YVONNE CRISPINO KLINGER3 Filed as: YVONNE KLINGER | 152 ROLLINS AVE STE 210 ROCKVILLE, MD 20852 | AFLAC | $183 | — | $183 | 0.48% |
| JEFFREY S FOLK3 Filed as: JEFFREY FOLK | 8472 FRIENDSVILLE RD FRIENDSVILLE, MD 21531 | AFLAC | $146 | — | $146 | 0.38% |
| ROBERT CAVALERI3 | 11350 MOORE DR MANASSAS, VA 20111 | AFLAC | $132 | — | $132 | 0.35% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVE SUITE 201 RALEIGH, NC 27612 | VISION SERVICE PLAN | $1K | — | $1K | 4.23% |
| KELLER BENEFIT SERVICES, INC.3 | 7316 WISCONSIN AVENUE, SUITE 400 BETHESDA, MD 20814 | VISION SERVICE PLAN | $135 | — | $135 | 0.54% |
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 | 196 | 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) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 143 | $1.7M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 153 | $142K |
| Vision | VISION SERVICE PLAN | 117 | $25K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 196 | $172K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 196 | $172K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 196 | $172K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 196 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.