| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | CAREFIRST BLUECHOICE | $67K | $37K | $104K | 5.04% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 2.35% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | SUN LIFE ASSURANCE COMPANY OF CANADA | $919 | — | $919 | 2.25% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | $1K | $3K | 14.99% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | SUN LIFE ASSURANCE COMPANY OF CANADA | $188 | — | $188 | 0.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NETWORK ADMINISTRATORS EIN 11-3335620 TPA | Direct payment from the plan Service code 50 | — | $92K |
| ARONSON, LLC AUDITOR | Accounting (including auditing) Service code 10 | 805 KING FARM BLVD SUITE 300 ROCKVILLE, MD 20850 | $18K |
| DELTA DENTAL OF PENNSYLVANIA - KELL EIN 23-1667011 NONE | Insurance agents and brokers; Contract Administrator; Claims processing Service code 12 | — | $18K |
| SUN LIFE ASSURANCE COMPANY EIN 38-1082080 NONE | Insurance services Service code 23 | — | $4K |
| HEIDI W GERDING TRUSTEE | Trustee (directed) Service code 25 | 8400 CORPORATE DRIVE SUITE 500 LANDOVER, MD 20785 | $0 |
| JAMES R. CLEMENT TRUSTEE | Trustee (directed) Service code 25 | 8400 CORPORATE DRIVE SUITE 500 LANDOVER, MD 20785 | $0 |
| KELLY & ASSOCIATES - AVESIS ADMIN EIN 52-1066374 NONE | Insurance services Service code 23 | — | $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 | 492 | 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) | 492 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 241 | $2.1M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 152 | $22K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 492 | $41K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 492 | $48K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 492 | $21K |
| Prescription drug | CAREFIRST BLUECHOICE | 241 | $2.1M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 492 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 492 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.