| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $38K | — | $38K | 12.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 2.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | SYMETRA LIFE INSURANCE COMPANY | — | $5K | $5K | 3.31% |
| CFA LLC3 | 3928 PENDER DRIVE SUITE 100 FAIRFAX, VA 22030 | SYMETRA LIFE INSURANCE COMPANY | — | $2K | $2K | 1.51% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 5.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | EYEMED | $2K | — | $2K | 2.06% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 14.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST - KELLY & ASSOC EIN 52-1385894 NONE | Claims processing; Contract Administrator; Insurance agents and brokers; Insurance services Service code 12 | — | $407K |
| METROPOLITAN LIFE - KELLY & ASSOC EIN 13-5581829 NONE | Contract Administrator; Insurance agents and brokers; Insurance services; Claims processing Service code 12 | — | $40K |
| CONNECTYOURCARE - KELLY & ASSOC EIN 26-1274092 NONE | Insurance services; Insurance agents and brokers; Contract Administrator Service code 13 | — | $2K |
| ACS RECOVERY SERVICES, INC EIN 36-4129787 NONE | Claims processing Service code 12 | — | $0 |
| CAREMARK PCS HEALTH LLC EIN 75-2882129 NONE | Claims processing Service code 12 | — | $0 |
| 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 | 1,184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED | 819 | $86K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,184 | $95K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 291 | $317K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 736 | $213K |
| Other(5 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,184 | $377K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,184 | — |
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.