| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC. INS. GRP INC. | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $6K | $14K | 12.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NCAS KELLY AND ASSOC. INS. GRP EIN 52-1330940 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $195K |
| WILLIS OF MARYLAND, INC. EIN 52-0559369 NONE | Contract Administrator; Direct payment from the plan; Insurance brokerage commissions and fees Service code 13 | — | $14K |
| THE LOOMIS COMPANY EIN 23-2238132 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $12K |
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 | 382 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 382 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 331 | $105K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 331 | $105K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 382 | $349K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 331 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 382 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.