| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY BENEFITS3 Filed as: KELLY BENEFITS INC. | 810 EAST COLLEGE PKWY SUITE 200 ANNAPOLIS, MD 21409 | CAREFIRST BLUECHOICE | $122K | $142 | $122K | 2.79% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | CAREFIRST BLUECHOICE | — | $24K | $24K | 0.54% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $793 | $15K | 6.32% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $1K | $7K | 12.09% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $1K | $5K | 12.50% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | FIDELITY SECURITY LIFE INSURANCE | $2K | $801 | $3K | 7.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 19.85% |
| MULLANEY ENTERPRISES LLC3 | 5850 WATERLOO ROAD SUITE 140 COLUMBIA, MD 21045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 11.47% |
| DONNA ROSS SMITH3 | 2632 JUDES FERRY ROAD POWHATAN, VA 23139 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.07% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $884 | $4K | 12.50% |
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 | 371 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 375 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 360 | $4.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 371 | $240K |
| Vision | FIDELITY SECURITY LIFE INSURANCE | 300 | $40K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 155 | $35K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 122 | $55K |
| Prescription drug | CAREFIRST BLUECHOICE | 360 | $4.4M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 225 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 371 | — |
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.