| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES INS. GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | CAREFIRST BLUECHOICE, INC. | $5K | $49K | $53K | 3.45% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY AND ASSOCIATES INS. GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | CAREFIRST BLUECHOICE, INC. | $0 | $12K | $12K | 0.76% |
| LUMITY, INC.3 Filed as: LUMITY INC | 70 EAST 3RD AVENUE SAN MATEO, CA 94401 | CAREFIRST BLUECHOICE, INC. | $1K | $9K | $11K | 0.69% |
| MATHER & STROHL ADMINISTRATIVE SVCS5 | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 75251 | CAREFIRST BLUECHOICE, INC. | $0 | $6K | $6K | 0.40% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY AND ASSOCIATES INS. GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $4K | $12K | 9.71% |
| LUMITY, INC.3 Filed as: LUMITY INC | 70 EAST 3RD AVENUE SAN MATEO, CA 94401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.64% |
| MATHER & STROHL ADMINISTRATIVE SVCS3 | 15800 CRABBS BRANCH WAY SUITE 350 ROCKVILLE, MD 20855 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $450 | $3K | 2.11% |
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 | 198 | 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) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 350 | $1.5M |
| Dental | CAREFIRST BLUECHOICE, INC. | 350 | $1.5M |
| Vision | CAREFIRST BLUECHOICE, INC. | 350 | $1.5M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 198 | $119K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 198 | $119K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 198 | $119K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 350 | $1.5M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 198 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 350 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.