| 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 | $65K | $67K | 3.87% |
| 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 | — | $33K | $33K | 1.91% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INSURANCE | 1 KELLY WAY SPARKS, MD 21152 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $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 | — | $945 | $945 | 2.15% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INSURANCE | 1 KELLY WAY SPARKS, MD 21152 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $2K | $6K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | P.O. BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $772 | $772 | 1.87% |
| 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 | — | $584 | $584 | 2.17% |
| MICHAEL BENDER3 | 1803 RESEARCH BLVD STE 400 ROCKVILLE, MD 20850 | AFLAC | $2K | $44 | $2K | 10.64% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 700 WAYNESBORO, VA 22980 | AFLAC | $133 | — | $133 | 0.61% |
| BENJAMIN KLINGER3 | 5503 SPRUCE TREE AVENUE BETHESDA, MD 20814 | AFLAC | $101 | — | $101 | 0.46% |
| YVONNE CRISPINO KLINGER3 Filed as: YVONNE KLINGER | 5503 SPRUCE TREE AVENUE BETHESDA, MD 20814 | AFLAC | $99 | — | $99 | 0.46% |
| DAVID SCHENKEL JR3 | 4000 BLACKBURN LANE SUITE 260 BURTONSVILLE, MD 20866 | AFLAC | $85 | $10 | $95 | 0.44% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DR. ELLICOTT CITY, MD 21042 | AFLAC | $52 | — | $52 | 0.24% |
| ALFRED E DEVINE3 Filed as: ALFRED DEVINE | 324 DEVINE WAY SILER CITY, NC 27344 | AFLAC | $48 | — | $48 | 0.22% |
| ANASTASIA BARANOV3 | 1905 CARTER MILL WAY BROOKEVILLE, MD 20833 | AFLAC | $43 | — | $43 | 0.20% |
| BOYD GLOVER JR3 | 69 MOORCLIFFE LANE VERONA, VA 24482 | AFLAC | $38 | — | $38 | 0.17% |
| EDWIN VEGA3 | 8214 LEE AVE SEVERN, MD 21144 | AFLAC | $19 | — | $19 | 0.09% |
| CHRISTOPHER PARSONS3 | 1925 CUBA LANE HAYES, VA 23072 | AFLAC | $19 | — | $19 | 0.09% |
| VICTORIA SHAFER3 | 303 SUNRISE COURT BERLIN, MD 21811 | AFLAC | $15 | — | $15 | 0.07% |
| MEGAN R SILVERMAN3 Filed as: MEGAN SILVERMAN | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | AFLAC | $13 | — | $13 | 0.06% |
| KENNY H. POWELL3 Filed as: KENNY POWELL | 507 QUAKER LAKE DRIVE ARCHDALE, NC 27263 | AFLAC | $12 | — | $12 | 0.06% |
| JEREMY A FELDMAN3 Filed as: JEREMY A. FELDMAN | 12391 HIDDEN BAY DRIVE BERLIN, MD 21811 | AFLAC | $10 | — | $10 | 0.05% |
| KELLY LYNN FELDMAN3 | 12391 HIDDEN BAY DRIVE BERLIN, MD 21811 | AFLAC | $9 | — | $9 | 0.04% |
| ERIC M SILVERMAN3 Filed as: ERIC SILVERMAN | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | AFLAC | $8 | — | $8 | 0.04% |
| STEPHEN W CROTTS SR3 Filed as: STEPHEN W CROTTS JR | 1022 CLIFTWOOD DRIVE SILER CITY, NC 27344 | AFLAC | $7 | — | $7 | 0.03% |
| 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% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $3 | — | $3 | 0.01% |
| MICHEL R MARTIN3 | 32 OLD HICKORY PITTSBORO, NC 27312 | AFLAC | $2 | — | $2 | 0.01% |
| ANDREW D WALLER3 Filed as: ANDREW WALLER | 153 MASTERS WAY GRASONVILLE, MD 21638 | AFLAC | $1 | — | $1 | 0.00% |
| ALVIN J LILLEY3 Filed as: ALVIN J TILLEY | 1011A NYE DR ALEXANDRIA, LA 71303 | 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 | $445 | — | $445 | 10.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INSURANCE | 1 KELLY WAY SPARKS, MD 21152 | LIFE INSURANCE OF NORTH AMERICA | $235 | $118 | $353 | 14.99% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | P.O. BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE OF NORTH AMERICA | — | $52 | $52 | 2.21% |
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 | 156 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 107 | $1.7M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 107 | $1.7M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 107 | $1.7M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 156 | $41K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 134 | $27K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 134 | $44K |
| Other(2 contracts, 2 carriers) | AFLAC | 156 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.