| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC INS GRP INC | 1 KELLY WAY SPARKS GLENCO, MD 211529484 | HUMANA INSURANCE COMPANY | $76K | — | $76K | 135.18% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST | PRITCHARD INC-BUCKHEAD, STE 400 2500 CUMBERLAND PKWY SE ATLANTA, GA 303393923 | HUMANA INSURANCE COMPANY | $8K | $100 | $8K | 13.89% |
| LIBERTY COMPANY INSURANCE BROKERS3 Filed as: LIBERTY COMPANY INS BROKERS INC | 5955 DE SOTO AVE STE 250 WOODLAND HLS, CA 913675190 | HUMANA INSURANCE COMPANY | $75 | — | $75 | 0.13% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD INC | PO BOX 724137 ATLANTA, GA 311391137 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $105 | $13K | 56.12% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 211529484 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 7.26% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD INC | PO BOX 724137 ATLANTA, GA 311391137 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $90 | $6K | 304.14% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 211529484 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 74.81% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD INC | PO BOX 724137 ATLANTA, GA 311391137 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $83 | $2K | — |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 211529484 | METROPOLITAN LIFE INSURANCE COMPANY | — | $425 | $425 | — |
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 80 | $58K |
| Dental | HUMANA INSURANCE COMPANY | 80 | $56K |
| Vision | HUMANA INSURANCE COMPANY | 80 | $56K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 97 | $22K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 97 | $22K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 97 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 97 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.