| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 274099047 | UNITEDHEALTHCARE INSURANCE COMPANY | $24K | — | $24K | 3.61% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INSURANCE GROUP INC | 1 KELLY WAY SPARKS, MD 211529484 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 1.15% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC INS GRP INC | 1 KELLY WAY SPARKS, MD 211529484 | HUMANA INSURANCE COMPANY | $11K | — | $11K | 10.10% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7200 BANK CT FREDERICK, MD 21703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 11.99% |
| 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% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7200 BANK CT FREDERICK, MD 21703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 15.80% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INS GRP INC. | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 7200 BANK CT FREDERICK, MD 21703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 11.81% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INS GROUP INC. | 1 KELLY WAY SPARKS GLENCOE, MD 21152 | HARTFORD LIFE AND ACCIDENT | $923 | $1K | $2K | 20.99% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INS GROUP INC | 1 KELLY WAY SPARKS GLENCOE, MD 21152 | HARTFORD LIFE AND ACCIDENT | $544 | $598 | $1K | 21.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: 1 KELLY BENEFITS | 1 KELLY WAY SPARKS, MD 21152 | METLIFE LEGAL PLANS | $447 | $72 | $519 | 11.62% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INS GROUP INC | 1 KELLY WAY SPARKS GLENCOE, MD 21152 | HARTFORD LIFE AND ACCIDENT | $367 | $404 | $771 | 20.98% |
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 | 95 | 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) | 95 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 143 | $663K |
| Dental | HUMANA INSURANCE COMPANY | 77 | $108K |
| Vision | HUMANA INSURANCE COMPANY | 77 | $108K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 96 | $39K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 96 | $24K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 96 | $32K |
| Other(5 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 96 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.