| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTRAL MARYLAND INS ASSOC INC3 Filed as: CENTRAL MARYLAND INS ASSOCIATES | 2045 YORK ROAD SUITE 200 TIMONIUM, MD 210934246 | UNITED HEALTHCARE | $30K | $737 | $30K | 4.33% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INSURANCE GROUP INC | 1 KELLY WAY SPARKS, MD 211529484 | UNITED HEALTHCARE | $12K | $1K | $14K | 1.93% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY AND ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 211529484 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $3K | $6K | 9.94% |
| CENTRAL MARYLAND INS ASSOC INC3 | 2045 YORK ROAD SUITE 200 TIMONIUM, MD 210934246 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 14.81% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY AND ASSOC INS GROUP INC | 1 KELLY WAY SPARKS, MD 211529484 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 4.59% |
| CENTRAL MARYLAND INS ASSOC INC3 | 2045 YORK RD SUITE 200 TIMONIUM, MD 210934246 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 15.45% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOC INS GROUP INC | 1 KELLY WAY SPARKS, MD 211529484 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.60% |
| CENTRAL MARYLAND INS ASSOC INC3 | 2045 YORK ROAD SUITE 200 TIMONIUM, MD 210934246 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 19.79% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOC INS GROUP INC | 1 KELLY WAY SPARKS, MD 211529484 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $855 | $855 | 4.59% |
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 | 166 | 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) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE | 166 | $703K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 117 | $63K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 163 | $22K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $35K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 46 | $19K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 163 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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.