| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES INS GRP INC | 1 KELLY WAY SPARKS, MD 21152 | STANDARD LIFE INSURANCE | $49K | — | $49K | 14.23% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES INS GRP INC | 1 KELLY WAY SPARKS, MD 21152 | STANDARD LIFE INSURANCE | $42K | — | $42K | 14.27% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES INS GRP INC | 1 KELLY WAY SPARKS, MD 21152 | STANDARD LIFE INSURANCE | $35K | — | $35K | 14.22% |
| MCGRIFF INSURANCE SERVICES INC3 | 3975 FAIR RIDGE DR FAIRFAX, VA 220332911 | KAISER FOUNDATION HEALTH PLAN INC | $5K | — | $5K | 4.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 274099047 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 12.17% |
| BB&T INSURANCE SERVICES, INC.3 | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $665 | $665 | 0.78% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | UNITEDHEALTHCARE INSURANCE COMPANY | $67K | $135K | $201K | 363.82% |
| BB&T INSURANCE SERVICES, INC.3 | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 274099047 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $13K | $13K | 23.28% |
| MCGRIFF INSURANCE SERVICES INC3 | 3975 FAIR RIDGE DR FAIRFAX, VA 22033 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 4.00% |
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 | 556 | 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) | 556 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,211 | $320K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,211 | $55K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,211 | $55K |
| Life insurance | STANDARD LIFE INSURANCE | 476 | $246K |
| Short-term disability | STANDARD LIFE INSURANCE | 476 | $344K |
| Long-term disability | STANDARD LIFE INSURANCE | 476 | $297K |
| Other | STANDARD LIFE INSURANCE | 476 | $246K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,211 | — |
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.