| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $26K | $3K | $29K | 13.99% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $12K | $1K | $14K | 13.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST ADMINISTRATORS EIN 52-1187907 CLAIMS ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $160K |
| UNION SECURITY INSURANCE COMPANY EIN 81-0170040 DENTAL ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $21K |
| EXPRESS SCRIPTS, INC EIN 43-1420563 RX ADMINISTRATOR | Contract Administrator Service code 13 | — | $18K |
| CRAWFORD ADVISORS, LLC EIN 30-0837157 FSA ADMINISTRATOR | Contract Administrator Service code 13 | — | $11K |
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 | 390 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 403 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 383 | $209K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 311 | $98K |
| Other(3 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,295 | $220K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,295 | — |
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.