| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE BENEFITS GROUP, INC. | 4405 EAST WEST HIGHWAY SUITE 202 BETHESDA, MD 20814 | CAREFIRST BLUECHOICE, INC. | $55K | $10K | $65K | 4.24% |
| MATHER & STROHL ADMIN SVC INC5 Filed as: MATHER & STROHL ADMINISTRATIVE SERV | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21286 | CAREFIRST BLUECHOICE, INC. | $0 | $13K | $13K | 0.81% |
| MATHER & STROHL ADMIN SVC INC3 | 501 FAIRMOUNT AVENUE #400 TOWSON, MD 21286 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $2K | $8K | 17.86% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $138 | $138 | 0.31% |
| MATHER & STROHL ADMIN SVC INC3 | 501 FAIRMOUNT AVENUE #400 TOWSON, MD 21286 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 17.90% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $123 | $123 | 0.31% |
| MATHER & STROHL ADMIN SVC INC3 | 501 FAIRMOUNT AVE #400 TOWSON, MD 21286 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 17.86% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $102 | $102 | 0.31% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: THE EMPLOYEE BENEFITS GROUP, INC. | 4405 EAST WEST HIGHWAY SUITE 202 BETHESDA, MA 208144560 | VISION SERVICE PLAN | $724 | — | $724 | 5.62% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSUR AND FINANCIAL SVC | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 752511803 | VISION SERVICE PLAN | $484 | — | $484 | 3.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 1 CHURCH STREET SUITE 500 ROCKVILLE, MD 208504178 | VISION SERVICE PLAN | $89 | — | $89 | 0.69% |
| MATHER & STROHL ADMIN SVC INC3 | 501 FAIRMOUNT AVENUE #400 TOWNSON, MD 21286 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $430 | $2K | 19.83% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $31 | $31 | 0.36% |
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 | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 218 | $1.5M |
| Dental | CAREFIRST BLUECHOICE, INC. | 218 | $1.5M |
| Vision | VISION SERVICE PLAN | 115 | $13K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 127 | $48K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 126 | $44K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 128 | $33K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 218 | $1.5M |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 127 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.