Francis X. (Frank) Kelly III serves as CEO of Kelly & Associates Insurance Group, Kelly & Associates Financial Services (Kelly Benefits Payroll) and Kelly Integral Solutions—collectively known as Kelly Benefits.

Kelly Benefits has evolved into one of the nation’s largest and fastest-growing providers of benefits administration and technology, broker and consulting services, payroll solutions and comprehensive tools and strategies to serve businesses of all sizes. Since Frank was named President in 1994, Kelly Benefits has grown from a corporate client base of 1,000 to more than 10,000. Annualized premiums and payroll administered and under management have risen from $20 million to over $4 billion.

A long-time board member and past president of both the Baltimore Association of Health Underwriters (BAHU) and the Maryland Association of Health Underwriters (MAHU), Frank III has earned professional designations as a Registered Employee Benefit Consultant (REBC), Registered Health Underwriter (RHU), Health Insurance Associate (HIA), Life Underwriting Training Council Fellow (LUTCF) and Chartered Life Underwriter (CLU). Frank was honored as the BAHU person of the year in 2001 and inducted into the MAHU Hall of Fame in May 2012.

A 1986 graduate of Cornell University with a degree in business management, Frank was recognized as a Red Key Scholar Athlete, played football and captained the lacrosse team, where he was an All-Ivy League selection. His interest in lacrosse continued after college with several seasons of professional box lacrosse for the Baltimore Thunder of the Major Indoor Lacrosse League and many years with The Maryland Lacrosse Club, where he was an All-Club selection. 

Frank obtained his insurance license in 1984 while still in college and worked at the company in telephone sales during the summer months. Two years later, after graduating from college, he became an account executive for small businesses in trade associations. In 1988, Frank was named Sales Manager and then in 1989, Vice President of Sales for the company. When he was promoted to Executive Vice President in 1991, he assumed responsibility for overall marketing and all operations of the company. In 1994, Frank was named President of Kelly Benefits; in 2007, he was named CEO.