| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $1K | $68K | $69K | 3.86% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $34K | $34K | 1.89% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INSURANCE | 1 KELLY WAY SPARKS, MD 21152 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $2K | $7K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | P.O. BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 4.92% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INSURANCE | 1 KELLY WAY SPARKS, MD 21152 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $2K | $6K | 15.07% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | P.O. BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 4.56% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INSURANCE | 1 KELLY WAY SPARKS, MD 21152 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $1K | $4K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | P.O. BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 4.96% |
| MICHAEL BENDER3 | 1803 RESEARCH BLVD STE 400 ROCKVILLE, MD 20850 | AFLAC | $4K | $201 | $5K | 18.53% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 700 WAYNESBORO, VA 22980 | AFLAC | $166 | — | $166 | 0.66% |
| ANASTASIA BARANOV3 | 1905 CARTER MILL WAY BROOKEVILLE, MD 20833 | AFLAC | $106 | $40 | $146 | 0.58% |
| YVONNE CRISPINO KLINGER3 | 5503 SPRUCE TREE AVE. SUITE 500 BETHESDA, MD 20814 | AFLAC | $115 | — | $115 | 0.46% |
| BENJAMIN KLINGER3 | 5503 SPRUCE TREE AVENUE BETHESDA, MD 20814 | AFLAC | $114 | — | $114 | 0.45% |
| DAVID SCHENKEL JR3 | 4000 BLACBURN LANE SUITE 200 BURTONSVILLE, MD 20852 | AFLAC | $100 | — | $100 | 0.40% |
| VICTORIA SHAFER3 | 303 SUNRISE COURT BERLIN, MD 21811 | AFLAC | $57 | $40 | $97 | 0.39% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DR. ELLICOTT CITY, MD 21042 | AFLAC | $60 | — | $60 | 0.24% |
| BOYD GLOVER JR3 Filed as: BOYD M. GLOVER, JR. | 69 MOORCLIFFE LANE VERONA, VA 24482 | AFLAC | $49 | — | $49 | 0.19% |
| ALFRED E DEVINE3 | 324 DEVINE WAY SILER CITY, NC 27344 | AFLAC | $48 | — | $48 | 0.19% |
| CHRISTOPHER PARSONS3 | 1925 CUBA LANE HAYES, VA 23072 | AFLAC | $25 | — | $25 | 0.10% |
| EDWIN VEGA3 | 8214 LEE AVE SEVERN, MD 21144 | AFLAC | $19 | — | $19 | 0.08% |
| MEGAN R SILVERMAN3 Filed as: MEGAN R. SILVERMAN | 1423 MARTIN MEADOWS DR. FALLSTON, MD 21047 | AFLAC | $13 | — | $13 | 0.05% |
| JEREMY A FELDMAN3 Filed as: JEREMY A. FELDMAN | 12391 HIDDEN BAY DRIVE BERLIN, MD 21811 | AFLAC | $12 | — | $12 | 0.05% |
| KENNY H. POWELL3 | 507 QUAKER LAKE DRIVE ARCHDALE, NC 27263 | AFLAC | $12 | — | $12 | 0.05% |
| KELLY LYNN FELDMAN3 | 12391 HIDDEN BAY DRIVE BERLIN, MD 21811 | AFLAC | $11 | — | $11 | 0.04% |
| ERIC M SILVERMAN3 Filed as: ERIC M. SILVERMAN | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 20866 | AFLAC | $8 | — | $8 | 0.03% |
| STEPHEN W CROTTS SR3 Filed as: STEPHEN CROTTS SR | 1022 CLIFTWOOD DRIVE SILER CITY, NC 27344 | AFLAC | $7 | — | $7 | 0.03% |
| RONALD E KIRKLAND3 Filed as: RONALD E KIRLAND | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $3 | — | $3 | 0.01% |
| ARON D TERAN3 | 3812 CARRIAGE HILL DRIVE FREDERICK, MD 21704 | AFLAC | $3 | — | $3 | 0.01% |
| JESSICA L PORTER3 Filed as: JESSICA L. PORTER | 23058 MEADOW MIST ROAD CLARKSBURG, MD 20871 | AFLAC | $3 | — | $3 | 0.01% |
| MICHAEL R MARTIN3 Filed as: MICHAEL R. MARTIN | 32 OLD HICKORY PITTSBORO, NC 27312 | AFLAC | $2 | — | $2 | 0.01% |
| ANDREW D WALLER3 Filed as: ANDREW D. WALLER | 11800 LINDEN CHAPEL RD CLARKSVILLE, MD 21029 | AFLAC | $1 | — | $1 | 0.00% |
| ALVIN J LILLEY3 Filed as: ALVIN J TILLEY | 1011A NYE DR ALEXANDRIA, LA 71303 | AFLAC | $1 | — | $1 | 0.00% |
| GEORGE WILLIAMS3 Filed as: GEORGE LOWNDES WILLIAMS | 208 GRAND PARK BLVD CHARLESTON, SC 29492 | AFLAC | $1 | — | $1 | 0.00% |
| SABRINA ANN PARSONS3 | 1925 CUBA LANE HAYES, VA 23072 | AFLAC | $1 | — | $1 | 0.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES | 1 KELLY WAY SPARKS, MD 21152 | DOMINION NATIONAL | $737 | — | $737 | 10.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INSURANCE | 1 KELLY WAY SPARKS, MD 21152 | LIFE INSURANCE OF NORTH AMERICA | $257 | $129 | $386 | 15.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | P.O. BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE OF NORTH AMERICA | — | $135 | $135 | 5.25% |
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 | 168 | 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) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 129 | $1.8M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 129 | $1.8M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 129 | $1.8M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 69 | $38K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 152 | $29K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 152 | $47K |
| Other(2 contracts, 2 carriers) | AFLAC | 181 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.
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.