| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | CAREFIRST BLUECHOICE | $82K | $91 | $82K | 3.50% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $2K | $10K | 7.94% |
| RMC SOLUTIONS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $6K | $11K | 13.94% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $2K | $9K | 11.03% |
| RMC SOLUTIONS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 450 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $5K | $9K | 13.94% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $2K | $8K | 11.03% |
| RMC SOLUTIONS, LLC3 | 200 INTERNATIOANL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $4K | $7K | 13.93% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $1K | $6K | 11.03% |
| RMC SOLUTIONS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $2K | $4K | 14.14% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $748 | $3K | 10.93% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | AMERITAS LIFE INSURANCE CORP | $2K | — | $2K | 6.84% |
| DIANE VOGEL3 | 2043 E JOPPA RD #327 BALTIMORE, MD 21234 | AFLAC | $415 | $53 | $468 | 2.95% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE CT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $147 | $15 | $162 | 1.02% |
| ADAM H MICHAELS3 Filed as: ADAM H MICHAELS AND ASSOC LTD | 12121 WILSHIRE BLVD, STE 1000 LOS ANGELES, CA 90025 | AFLAC | $160 | — | $160 | 1.01% |
| LOIS VEGA3 | 134 PINECOVE AVENUE ODENTON, MD 21113 | AFLAC | $159 | — | $159 | 1.00% |
| EDWIN VEGA3 | 134 PINECOVE AVENUE ODENTON, MD 21113 | AFLAC | $87 | — | $87 | 0.55% |
| DONALD R RAJALA3 Filed as: DONALD RAJALA | 5458 DELPHINIUM CT COLUMBIA, MD 21045 | AFLAC | $78 | — | $78 | 0.49% |
| KENNETH B COFER3 Filed as: KENNETH COFER | 5950 SYMPHONY WOODS RD STE 214 COLUMBIA, MD 21044 | AFLAC | $64 | — | $64 | 0.40% |
| BRYAN FISH3 | 4050 CANDLE LIGHT DR DAYTON, MD 21036 | AFLAC | $49 | $15 | $64 | 0.40% |
| DAVID W BRANDT3 Filed as: DAVID BRANDT | 46 WINDSOR WAY RED LION, PA 17356 | AFLAC | $63 | — | $63 | 0.40% |
| SUSAN KIEFFER3 | 5214 WINDMILL LN COLUMBIA, MD 21044 | AFLAC | $58 | — | $58 | 0.37% |
| SUSAN MCDANIEL3 | 10304 MALCOLM DR APT F COCKEYSVILLE, MD 21030 | AFLAC | $13 | $26 | $39 | 0.25% |
| CAROLINE D MORNINGSTAR3 Filed as: CAROLINE MORNINGSTAR | 11285 DOVEDALE CT MARRIOTTSVILLE, MD 21104 | AFLAC | $28 | — | $28 | 0.18% |
| JOSEPH VOGEL3 | 2409 AUTUMN WAY BALTIMORE, MD 21234 | AFLAC | $26 | — | $26 | 0.16% |
| BRANT INC3 | 3111 EXPRESSO WAY YORK, PA 17406 | AFLAC | $24 | — | $24 | 0.15% |
| ALYSON D ROTHBERG3 Filed as: ALYSON ROTHBERG | 35 BITTLE RD LITTLESTOWN, PA 17340 | AFLAC | $23 | — | $23 | 0.14% |
| CRISTIAN APALAGHIE3 | 3431 CARDINAL LN DOVER, PA 17315 | AFLAC | $17 | — | $17 | 0.11% |
| EDWARD KILA3 | 640 STRETFORD WAY APT 101 HYATTSVILLE, MD 20785 | AFLAC | $16 | — | $16 | 0.10% |
| JEAN CLAUDE FRESNEL JR3 | 700 12TH ST NW, STE 700 WASHINGTON, DC 20005 | AFLAC | $16 | — | $16 | 0.10% |
| FRANCES SHAFFER3 | 14025 TOWER RD SMITHSBURG, MD 21783 | AFLAC | $15 | — | $15 | 0.09% |
| FRANCES SHAFFER3 | 14025 TOWER RD SMITHSBURG, MD 21783 | AFLAC | $14 | — | $14 | 0.09% |
| SABERINA FRESNEL3 | 31 CHESTNUT HILL RD FOREST HILL, MD 21050 | AFLAC | $13 | — | $13 | 0.08% |
| DONNA GELHARD3 Filed as: DONNA PATTISON | PO BOX 18013 MIDDLE RIVER, MD 21220 | AFLAC | $11 | — | $11 | 0.07% |
| MARK D BARBIER3 Filed as: MARK BARBIER | 802 DEER TRAIL LN OAK BROOK, IL 60523 | AFLAC | $10 | — | $10 | 0.06% |
| NICOLE FRIBUSH3 | 4956 LOCKARD DRIVE OWINGS MILLS, MD 21117 | AFLAC | $7 | — | $7 | 0.04% |
| RMC SOLUTIONS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $551 | $593 | $1K | 13.18% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $751 | $250 | $1K | 11.53% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CRAWFORD ADVISORS, LLC EIN 30-0837157 MEDICAL ADMIN | Contract Administrator Service code 13 | — | $12K |
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 | 286 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 222 | $2.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 187 | $122K |
| Vision | AMERITAS LIFE INSURANCE CORP | 144 | $25K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 286 | $84K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 285 | $80K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 283 | $53K |
| Prescription drug | CAREFIRST BLUECHOICE | 222 | $2.3M |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 286 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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.