| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD, STE. 500 HUNT VALLEY, MD 21031 | CAREFIRST BLUECHOICE | $76K | $20K | $96K | 2.53% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD, STE. 500 HUNT VALLEY, MD 21031 | DELTA DENTAL OF PENNSYLVANIA | $25K | — | $25K | 9.08% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD, STE. 500 HUNT VALLEY, MD 21031 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $768 | $7K | 8.65% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIR, #4500 HUNT VALLEY, MD 21031 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.84% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD, STE. 500 HUNT VALLEY, MD 21031 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $604 | $5K | 6.96% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIR, #4500 HUNT VALLEY, MD 21031 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.81% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD, STE. 500 HUNT VALLEY, MD 21031 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $466 | $2K | 4.63% |
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS,LLC | 200 INTERNATIONAL CIR, #4500 HUNT VALLEY, MD 21031 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.88% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD, STE. 500 HUNT VALLEY, MD 21031 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $523 | $93 | $616 | 5.89% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIR,, #4500 HUNT VALLEY, MD 21031 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $181 | $181 | 1.73% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP | 1 KELLY WAY SPARKS, MD 21152 | HARTFORD LIFE AND ACCIDENT | $317 | — | $317 | 14.98% |
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 | 261 | 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) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 246 | $3.8M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 250 | $272K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 225 | $17K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 272 | $135K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 264 | $84K |
| Prescription drug | CAREFIRST BLUECHOICE | 246 | $3.8M |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 272 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.