| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS LLC | 21 E 5TH AVE STE 204 CONSHOHOCKEN, PA 19428 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 15.00% |
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS DBA MF IRVINE | 21 E 5TH AVE STE 204 CONSHOHOCKEN, PA 19426 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $23 | $2K | 2.15% |
| MF IRVINE COMPANIES LLC3 | 21 E 5TH AVE SUITE 204 CONSHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $82 | $2K | 2.13% |
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS LLC | 200 INTERATIONAL CIRCLE STE 4500 HUNT VALLEY, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.37% |
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS LLC | 21 E 5TH AVE STE 204 CONSHOHOCKEN, PA 19428 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CRAWFORD ADVISORS AN ASSURED PARTNE BENEFIT ADVISORS | Claims processing; Contract Administrator Service code 12 | 21 E 5TH AVE STE 204 CONSHOHOCKEN, PA 19428 | $32K |
| MF IRVINE COMPANIES LLC BENEFIT ADVISORS | Contract Administrator; Claims processing Service code 12 | 21 E 5TH AVENUE SUITE 204 CONSHOHOCKEN, PA 19428 | $21K |
| CRAWFORD ADVISORS LLC BENEFIT ADVISORS | Claims processing; Contract Administrator Service code 12 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | $19K |
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 | 201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 218 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 237 | $97K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 237 | $97K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 206 | $157K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 206 | $157K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 206 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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.