| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: LAYLINE RISK MANAGEMENT PARTNERS | 3700 KOPPERS STREET SUITE 510 BALTIMORE, MD 21227 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $149K | $66K | $215K | 12.71% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: LAYLINE RISK MANAGEMENT PARTNERS | 3700 KOPPERS STREET SUITE 510 BALTIMORE, MD 21227 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.87% |
| KELLER-STONEBRAKER INS INC3 | 3700 KOPPERS STREET SUITE 510 BALTIMORE, MD 21227 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $852 | — | $852 | 1.32% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: LAYLINE RISK MANAGEMENT PARTNERS | 3700 KOPPERS STREET SUITE 510 BALTIMORE, MD 21227 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.20% |
| KELLER-STONEBRAKER INS INC3 | 3700 KOPPERS STREET SUITE 510 BALTIMORE, MD 21227 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $666 | — | $666 | 1.71% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: LAYLINE RISK MANAGEMENT PARTNERS | 3700 KOPPERS STREET SUITE 510 BALTIMORE, MD 21227 | VISION SERVICE PLAN | $1K | — | $1K | 3.70% |
| KELLER-STONEBRAKER INS INC3 Filed as: KELLER STONEBRAKER INSURANCE, INC. | 3700 KOPPERS STREET SUITE 510 BALTIMORE, MD 21227 | VISION SERVICE PLAN | $151 | — | $151 | 0.43% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: LAYLINE RISK MANAGEMENT PARTNERS | 3700 KOPPERS STEET SUITE 510 BALTIMORE, MD 21227 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 8.27% |
| KELLER-STONEBRAKER INS INC3 | 3700 KOPPERS STREET SUITE 510 BALTIMORE, MD 21227 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.73% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: LAYLINE RISK MANAGEMENT PARTNERS | 3700 KOPPERS STREET SUITE 510 BALTIMORE, MD 21227 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.45% |
| KELLER-STONEBRAKER INS INC3 | 3700 KOPPERS STREET SUITE 510 BALTIMORE, MD 21227 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.55% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: LAYLINE RISK MANAGEMENT PARTNERS | 3700 KOPPERS STREET SUITE 510 BALTIMORE, MD 21227 | TELADOC HEALTH | $2K | — | $2K | 15.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: LAYLINE RISK MANAGEMENT PARTNERS | 3700 KOPPERS STREET SUITE 510 BALTIMORE, MD 21227 | THE LINCOLN NATIONAL LIFE INSURNACE COMPANY | $299 | — | $299 | 8.17% |
| KELLER-STONEBRAKER INS INC3 | 3700 KOPPERS STREET SUITE 510 BALTIMORE, MD 21227 | THE LINCOLN NATIONAL LIFE INSURNACE COMPANY | $250 | — | $250 | 6.83% |
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 | 321 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 243 | $35K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 357 | $73K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 95 | $28K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 359 | $65K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 274 | $1.7M |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 357 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 359 | — |
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.