| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FINANCIAL BENEFIT SERVICES INS LLC3 | 10 POST OFFICE RD SUITE 233 SILVER SPRING, MD 20910 | UNITEDHEALTHCARE INSURANCE COMPANY | $34K | — | $34K | 3.57% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC. INSURANCE GROUP | 1 KELLY WAY SPARKS, MD 21152 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 1.60% |
| FINANCIAL BENEFIT SERVICES INS LLC | 10 POST OFFICE RD SUITE 233 SILVER SPRING, MD 20910 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 8.55% |
| KELLY & ASSOCIATES INSURANCE GROUP Filed as: KELLY AND ASSOC. INSURANCE GROUP | 1 KELLY WAY SPARKS, MD 21152 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 4.14% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC. INSURANCE GROUP | 1 KELLY WAY SPARKS, MD 21152 | UNITED CONCORDIA INSURANCE COMPANY | $7K | $4K | $11K | 13.74% |
| MARSH & MCLENNAN AGENCY LLC Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 13.09% |
| KELLY & ASSOCIATES INSURANCE GROUP Filed as: KELLY AND ASSOC. INSURANCE GROUP | 1 KELLY WAY SPARKS, MD 21152 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $761 | $761 | 4.01% |
| DUNN, PATRICK M Filed as: DUNN, PATRICK M. | 10 POST OFFICE RD SUITE 233 CAPITOL VIEW, MD 20902 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 20.00% |
| FINANCIAL BENEFIT SERVICES INS LLC | 10 POST OFFICE RD SUITE 233 SILVER SPRING, MD 20910 | EYE MED | $317 | — | $317 | 4.11% |
| KELLY & ASSOCIATES INSURANCE GROUP Filed as: KELLY AND ASSOC. INSURANCE GROUP | 1 KELLY WAY SPARKS, MD 21152 | EYE MED | — | $136 | $136 | 1.76% |
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 | 127 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 213 | $948K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 224 | $80K |
| Vision | EYE MED | 235 | $8K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $129K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $129K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $129K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.