| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KAPLAN BENEFITS GROUP LLC3 Filed as: KAPLAN BENEFITS GROUP, LLC | 1101 WOOTTON PKWY SUITE 920 ROCKVILLE, MD 20852 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC/CAREFIRST BLUECHOICE, INC. | — | $113K | $113K | 4.91% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOC INSURANCE GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC/CAREFIRST BLUECHOICE, INC. | — | $18K | $18K | 0.77% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOC INSURANCE GROUP INC | 1 KELLY WAY SPARKS, MD 211529484 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $10K | $17K | 9.25% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.07% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOC INSURANCE GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 5.00% |
| KAPLAN BENEFITS LLC3 | 6550 ROCK SPRING DR STE 340 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 4.79% |
| KAPLAN BENEFITS LLC3 | 6550 ROCK SPRING DR STE 340 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 5.88% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOC INSURANCE GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 5.01% |
| KAPLAN BENEFITS LLC3 | 6550 ROCK SPRING DR STE 340 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 5.87% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOC INSURANCE GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 4.99% |
| KAPLAN BENEFITS LLC3 | 6550 ROCK SPRING DR STE 340 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.05% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOC INSURANCE GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $760 | $760 | 5.00% |
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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GROUP HOSPITALIZATION MEDICAL SERVICES, INC/CAREFIRST BLUECHOICE, INC. | 412 | $2.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 256 | $179K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 256 | $179K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $128K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $82K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $82K |
| Prescription drug | GROUP HOSPITALIZATION MEDICAL SERVICES, INC/CAREFIRST BLUECHOICE, INC. | 412 | $2.3M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 412 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.