| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | METROPOLITAN LIFE INSURANCE COMPANY | $162K | $38K | $201K | 8.74% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | SYMETRA LIFE INSURANCE COMPANY | — | $32K | $32K | 2.74% |
| CFA LLC3 | 1501 S CLINTON STREET BALTIMORE, MD 21224 | SYMETRA LIFE INSURANCE COMPANY | — | $28K | $28K | 2.42% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $8K | — | $8K | 1.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST ADMIN - KELLY & ASSOC EIN 52-1187907 NONE | Claims processing; Contract Administrator; Insurance agents and brokers; Insurance services Service code 12 | — | $2.8M |
| METROPOLITAN LIFE - KELLY & ASSOC EIN 13-5581829 NONE | Insurance agents and brokers; Contract Administrator; Insurance services; Claims processing Service code 12 | — | $225K |
| CONNECTYOURCARE - KELLY & ASSOC EIN 26-1274092 NONE | Insurance agents and brokers; Insurance services; Claims processing Service code 12 | — | $20K |
| HEALTH ADVOCATE EIN 23-3080019 NONE | Contract Administrator Service code 13 | — | $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 | 6,853 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,891 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 4,143 | $404K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 6,853 | $2.3M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 6,853 | $2.3M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 6,853 | $2.3M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,853 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,853 | — |
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.