| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282890000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $37K | $37K | 4.50% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GRP | 1 KELLY WAY SPARKS, MD 211520000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $15K | $15K | 1.80% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | UNITED CONCORDIA INSURANCE COMPANY | $7K | — | $7K | 9.08% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES INSURANC | 1 KELLY WAY SPARKS, MD 21152 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $668 | $3K | 12.48% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INSURANCE | 1 KELLY WAY SPARKS, MD 21152 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $559 | $3K | 12.48% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES INSURANCE | 1 KELLY WAY SPARKS, MD 21152 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $485 | $3K | 14.75% |
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 | 244 | 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) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 125 | $815K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 230 | $72K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 244 | $20K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 244 | $27K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 244 | $23K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 244 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.