| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: LAYLINE RISK MGMT PARTNERS A DIVISI | 1120C PROFESSIONAL COURT HAGERSTOWN, MD 21740 | INDEPENDENCE BLUE CROSS | — | $125K | $125K | 3.69% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: LAYLINE RISK MANAGEMENT PARTNERS A | 1120C PROFESSIONAL COURT PO BOX 609 HAGERSTOWN, MD 21740 | METROPOLITAN LIFE INSURANCE COMPANY | $41K | — | $41K | 9.13% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: LAYLINE RISK MANAGEMENT PARTNERS LL | 3700 KOPPERS STREET SUITE510 BALTIMORE, MD 21227 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 0.91% |
| KELLER-STONEBRAKER INS INC3 Filed as: KELLER STONEBRAKER INSURANCE, INC | 3700 KOPPERS STREET SUITE 510 BALTIMORE, MA 21227 | VISION SERVICE PLAN | $1K | — | $1K | 2.91% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: LAYLINE RISK MANAGEMENT PARTNERS | 3700 KOPPERS STREET SUITE 510 BALTIMORE, MD 21227 | VISION SERVICE PLAN | $623 | — | $623 | 1.27% |
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 | 566 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 17 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 588 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 340 | $3.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 790 | $454K |
| Vision | VISION SERVICE PLAN | 289 | $49K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 790 | $454K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 790 | $454K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 790 | $454K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 340 | $3.4M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 790 | $454K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 790 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.