| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | CAREFIRST BLUECHOICE | $88K | $20K | $108K | 3.68% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $45K | $9K | $54K | 18.00% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | $1K | $8K | 5.84% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | AMERITAS LIFE INSURANCE CORP | $2K | — | $2K | 6.94% |
| DIANE VOGEL3 | 2043 E JOPPA RD #327 BALTIMORE, MD 21234 | AFLAC | $792 | $8 | $800 | 5.68% |
| TASHIA YOUNG3 | 13908 GLENLIVET GRV LAUREL, MD 20707 | AFLAC | $312 | — | $312 | 2.22% |
| JEAN CLAUDE FRESNEL JR3 | 700 12TH ST NW, STE 700 WASHINGTON, DC 20005 | AFLAC | $220 | $2 | $222 | 1.58% |
| BRYAN FISH3 | 4050 CANDLE LIGHT DR DAYTON, MD 21036 | AFLAC | $173 | $2 | $175 | 1.24% |
| DONALD R RAJALA3 Filed as: DONALD RAJALA | 1802 GREENBLADE CT BEL AIR, MD 21015 | AFLAC | $81 | — | $81 | 0.58% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE CT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $78 | — | $78 | 0.55% |
| DAVID W BRANDT3 Filed as: DAVID BRANDT | 46 WINDSOR WAY RED LION, PA 17356 | AFLAC | $69 | — | $69 | 0.49% |
| EDWIN VEGA3 | 134 PINECOVE AVENUE ODENTON, MD 21113 | AFLAC | $68 | — | $68 | 0.48% |
| LOIS VEGA3 | 134 PINECOVE AVENUE ODENTON, MD 21113 | AFLAC | $61 | — | $61 | 0.43% |
| ADAM H MICHAELS3 Filed as: ADAM H MICHAELS AND ASSOC LTD | 12121 WILSHIRE BLVD, STE 1000 LOS ANGELES, CA 90025 | AFLAC | $53 | — | $53 | 0.38% |
| FRANCES SHAFFER3 | 14025 TOWER RD SMITHSBURG, MD 21783 | AFLAC | $49 | — | $49 | 0.35% |
| BRANT INC3 | 3111 EXPRESSO WAY YORK, PA 17406 | AFLAC | $26 | — | $26 | 0.18% |
| CAROLINE D MORNINGSTAR3 Filed as: CAROLINE MORNINGSTAR | 11285 DOVEDALE CT MARRIOTTSVILLE, MD 21104 | AFLAC | $24 | — | $24 | 0.17% |
| ALYSON D ROTHBERG3 Filed as: ALYSON ROTHBERG | 35 BITTLE RD LITTLESTOWN, PA 17340 | AFLAC | $24 | — | $24 | 0.17% |
| SUSAN KIEFFER3 | 5214 WINDMILL LN COLUMBIA, MD 21044 | AFLAC | $16 | $8 | $24 | 0.17% |
| CRISTIAN APALAGHIE3 | 3431 CARDINAL LN DOVER, PA 17315 | AFLAC | $18 | — | $18 | 0.13% |
| HELEN LIPCHOCK3 | 3204 GRAY MARSH CT IJAMSVILLE, MD 21754 | AFLAC | $8 | $2 | $10 | 0.07% |
| SABERINA FRESNEL3 | 31 CHESTNUT HILL RD FOREST HILL, MD 21050 | AFLAC | $8 | $2 | $10 | 0.07% |
| DONNA GELHARD3 Filed as: DONNA PATTISON | PO BOX 18013 MIDDLE RIVER, MD 21220 | AFLAC | $8 | — | $8 | 0.06% |
| NICOLE FRIBUSH3 | 4956 LOCKARD DRIVE OWINGS MILLS, MD 21117 | AFLAC | $8 | — | $8 | 0.06% |
| SUSAN MCDANIEL3 | 661 SAINT PAUL ST APT D BALTIMORE, MD 21202 | AFLAC | $8 | — | $8 | 0.06% |
| MARK D BARBIER3 Filed as: MARK BARBIER | 802 DEER TRAIL LN OAK BROOK, IL 60523 | AFLAC | $7 | — | $7 | 0.05% |
| JEREMY A FELDMAN3 Filed as: JEREMY FELDMAN | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $3 | — | $3 | 0.02% |
| EDWARD KILA3 | 640 STRETFORD WAY APT 101 HYATTSVILLE, MD 20785 | AFLAC | $1 | — | $1 | 0.01% |
| JAMES M PITZ3 Filed as: JAMES PITZ | 84 MINK DRIVE CATAULA, GA 31804 | AFLAC | $1 | — | $1 | 0.01% |
| KELLY LYNN FELDMAN3 Filed as: KELLY FELDMAN | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $1 | — | $1 | 0.01% |
| DAVID WAGENHEIM3 | 582 WOODBINE AVE TOWSON, MD 21204 | AFLAC | $1 | — | $1 | 0.01% |
| IRENE E BROOKS3 Filed as: IRENE BROOKS | 833 NORTH PARK RD SUITE 220 READIN, PA 19610 | AFLAC | $1 | — | $1 | 0.01% |
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 | 273 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 232 | $2.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 185 | $142K |
| Vision | AMERITAS LIFE INSURANCE CORP | 135 | $24K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 273 | $312K |
| Prescription drug | CAREFIRST BLUECHOICE | 232 | $2.9M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 273 | $298K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.