| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD., STE. 301 LEESBURG, VA 20176 | HCC LIFE INSURANCE COMPANY | $567 | — | $567 | 0.18% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC. INSURANCE GROUP INC. | 1 KELLY WAY SPARKS, MD 21152 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $6K | $8K | 11.84% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC. INSURANCE GROUP INC. | 1 KELLY WAY SPARKS, MD 21152 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $4K | $6K | 15.11% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC. INSURANCE GROUP INC. | 1 KELLY WAY SPARKS, MD 21152 | FIRST STOP HEALTH, LLC | $1K | — | $1K | 5.04% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC. INSURANCE GROUP INC. | 1 KELLY WAY SPARKS, MD 21152 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $5K | 23.52% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC. INSURANCE GROUP INC. | 1 KELLY WAY SPARKS, MD 21152 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 23.01% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD SUITE 301 LEESBURG, VA 20176 | EYEMED VISION CARE OBO FIDELITY SECURITY LIFE INSURANCE | $922 | — | $922 | 6.92% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC. INSURANCE GROUP INC. | 1 KELLY WAY SPARKS, MD 21152 | EYEMED VISION CARE OBO FIDELITY SECURITY LIFE INSURANCE | $395 | — | $395 | 2.97% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC. INSURANCE GROUP INC. | 1 KELLY WAY SPARKS, MD 21152 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $1K | $3K | 19.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIED BENEFIT SYSTEMS LLC EIN 36-3086057 TPA | Claims processing Service code 12 | — | $68K |
| HILB GROUP OF MARYLAND EIN 80-0887008 BROKER | Insurance agents and brokers Service code 22 | — | $41K |
| CIGNA HEALTH AND LIFE INS. EIN 59-1031071 TPA | Claims processing Service code 12 | — | $30K |
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 | 216 | 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) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 161 | $71K |
| Vision | EYEMED VISION CARE OBO FIDELITY SECURITY LIFE INSURANCE | 191 | $13K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 216 | $27K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 216 | $42K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 59 | $22K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 157 | $313K |
| Other(3 contracts, 2 carriers) | FIRST STOP HEALTH, LLC | 216 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.