| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 208171149 | UNITED HEALTHCARE INSURANCE COMPANY | $77K | $218K | $295K | 9.41% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INSURANCE GROUP INC | KELLY WAY SPARKS, MD 211529484 | UNITED HEALTHCARE INSURANCE COMPANY | $113K | $17K | $130K | 4.14% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 274099047 | UNITED HEALTHCARE INSURANCE COMPANY | $8K | $16K | $24K | 0.76% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INSURANCE GROUP INC | 1 KELLY WAY ATTN CRAIG S HORNER CFO TR SPARKS GLENCO, MD 21152 | STANDARD INSURANCE COMPANY | $66K | $0 | $66K | 17.59% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC INS GRP INC | 1 KELLY WAY ATTN CRAIG S HORNER CFO TR SPARKS GLENCO, MD 21152 | STANDARD INSURANCE COMPANY | $59K | $0 | $59K | 18.05% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC INS GRP INC | 1KELLY WAY ATTN CRAIG S HORNER CFO TR SPARKS GLENCO, MD 21152 | THE STANDARD | $48K | $0 | $48K | 16.93% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC | 2300 CONTRA COSTA BLVD STE 600 PLEASANT HILL, CA 945233979 | KAISER FOUNDATION HEALTH PLAN, INC. | $11K | $0 | $11K | 4.09% |
| MCGRIFF INSURANCE SERVICES INC3 | 3975 FAIR RIDGE DR FAIRFAX, VA 220332911 | KAISER FOUNDATION HEALTH PLAN, INC. | $543 | $0 | $543 | 0.20% |
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 | 711 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 57 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 768 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 1,648 | $3.4M |
| Life insurance | THE STANDARD | 671 | $284K |
| Short-term disability | STANDARD INSURANCE COMPANY | 670 | $374K |
| Long-term disability | STANDARD INSURANCE COMPANY | 671 | $326K |
| Other | THE STANDARD | 671 | $284K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,648 | — |
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.
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.