| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS LLC | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | GHMSI | $19K | $43 | $19K | 3.52% |
| GROUP BENEFIT SERVICES INC3 | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | GHMSI | $8K | — | $8K | 1.48% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | HARTFORD LIFE AND ACCIDENT | $10K | $6K | $16K | 10.91% |
| GROUP BENEFIT SERVICES INC3 | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, ME 21030 | HARTFORD LIFE AND ACCIDENT | $7K | $6K | $12K | 8.12% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 211529484 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $2K | $4K | 7.78% |
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS LLC | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 210301338 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $118 | $2K | 3.84% |
| WORKFORCETACTIX, INC.3 Filed as: WORKFORCETACTIX INC | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 210301338 | UNITEDHEALTHCARE INSURANCE COMPANY | $469 | — | $469 | 0.91% |
| GROUP BENEFIT SERVICES INC3 | 6 N PARK DRIVE SUITE 310 HUNT VALLEY, MD 210301821 | UNITEDHEALTHCARE INSURANCE COMPANY | $240 | — | $240 | 0.47% |
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 | 180 | 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) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GHMSI | 106 | $527K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 168 | $52K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 168 | $52K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 154 | $151K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 154 | $151K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 154 | $151K |
| Prescription drug | GHMSI | 106 | $527K |
| Other | HARTFORD LIFE AND ACCIDENT | 154 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.