| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 274099407 | UNITEDHEALTHCARE INSURANCE COMPANY | $85K | $175K | $260K | 3.72% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INSURANCE GROUP INC | 1 KELLY WAY SPARKS, MD 211529484 | UNITEDHEALTHCARE INSURANCE COMPANY | $51K | — | $51K | 0.72% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES INS GRP INC | 1 KELLY WAY SPARKS GLENCO, MD 21152 | STANDARD INSURANCE COMPANY | $54K | $6K | $59K | 17.04% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES INS GRP INC | 1 KELLY WAY SPARKS GLENCO, MD 21152 | STANDARD INSURANCE COMPANY | $47K | $6K | $52K | 17.19% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES INS GRP INC | 1 KELLY WAY SPARKS GLENCOE, MD 21152 | STANDARD INSURANCE COMPANY | $39K | $5K | $43K | 17.22% |
| MCGRIFF INSURANCE SERVICES INC3 | 3975 FAIR RIDGE DR FAIRFAX, VA 220332911 | KAISER FOUNDATION HEALTH PLAN INC | $5K | — | $5K | 3.37% |
| MCGRIFF INSURANCE SERVICES INC3 | 3975 FAIR RIDGE DR FAIRFAX, VA 220332911 | KAISER FOUNDATION HEALTH PLAN INC | $4K | — | $4K | 4.15% |
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 | 601 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 612 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,417 | $7.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,417 | $7.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,417 | $7.0M |
| Life insurance | STANDARD INSURANCE COMPANY | 563 | $252K |
| Short-term disability | STANDARD INSURANCE COMPANY | 563 | $349K |
| Long-term disability | STANDARD INSURANCE COMPANY | 563 | $303K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 29 | $240K |
| Other | STANDARD INSURANCE COMPANY | 563 | $252K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,417 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.