| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS LLC | 280 GRANITE RUN DRIVE SUITE 250 LANCASTER, PA 17601 | SUN LIFE ASSURANCE COMPANY OF CANADA | $60K | — | $60K | 5.21% |
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS LLC | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $29K | $29K | 2.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK, INC. EIN 23-1294723 NONE | Claims processing Service code 12 | — | $1.3M |
| CONRAD M. SIEGEL, INC. EIN 23-1669823 NONE | Actuarial Service code 11 | — | $186K |
| UNITED CONCORDIA COMPANIES, INC. EIN 25-1687586 NONE | Claims processing Service code 12 | — | $128K |
| EXPRESS SCRIPTS, INC. NONE | Claims processing; Direct payment from the plan Service code 12 | 100 PARSONS POND DRIVE FRANKLIN LAKES, NJ 07417 | $108K |
| KPMG, LLP EIN 13-5565207 NONE | Accounting (including auditing) Service code 10 | — | $57K |
| CORE SOURCE NONE | Claims processing Service code 12 | 400 FIELD DR. LAKE FOREST, IL 60045 | $38K |
| CRAWFORD ADVISORS NONE | Consulting (general) Service code 16 | 280 GRANITE RUN DRIVE, SUITE 250 LANCASTER, PA 17601 | $25K |
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 | 3,493 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 172 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,665 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HM LIFE INSURANCE COMPANY | 5,241 | $285K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,351 | $1.2M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,351 | $1.2M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,351 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,241 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.