| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | CAREFIRST BLUECHOICE | $85K | $36K | $121K | 4.28% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $42K | $19K | $62K | 21.87% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | — | $7K | 4.94% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | AMERITAS LIFE INSURANCE CORP | $2K | — | $2K | 6.94% |
| DIANE VOGEL3 | 9613 C HARFORD RD 161 BALTIMORE, MD 21234 | AFLAC | $493 | $71 | $564 | 3.70% |
| JEAN CLAUDE FRESNEL JR3 | 700 12TH ST NW, STE 700 WASHINGTON, DC 20005 | AFLAC | $145 | $20 | $165 | 1.08% |
| BRYAN FISH3 | 4050 CANDLE LIGHT DR DAYTON, MD 21036 | AFLAC | $114 | $20 | $134 | 0.88% |
| DONALD R RAJALA3 Filed as: DONALD RAJALA | 1802 GREENBLADE CT BEL AIR, MD 21015 | AFLAC | $85 | — | $85 | 0.56% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE CT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $76 | — | $76 | 0.50% |
| DAVID W BRANDT3 Filed as: DAVID BRANDT | 46 WINDSOR WAY RED LION, PA 17356 | AFLAC | $75 | — | $75 | 0.49% |
| EDWIN VEGA3 | 134 PINECOVE AVENUE ODENTON, MD 21113 | AFLAC | $72 | — | $72 | 0.47% |
| TASHIA YOUNG3 | 13908 GLENLIVET GRV LAUREL, MD 20707 | AFLAC | $33 | $31 | $64 | 0.42% |
| LOIS VEGA3 | 134 PINECOVE AVENUE ODENTON, MD 21113 | AFLAC | $54 | — | $54 | 0.35% |
| ADAM H MICHAELS3 Filed as: ADAM H MICHAELS AND ASSOC LTD | 2922CORDA LN LOS ANGELES, CA 90049 | AFLAC | $44 | — | $44 | 0.29% |
| DEBORAH NELSON3 | 139070 SARATOGA AVE LAUREL, MD 20707 | AFLAC | $42 | — | $42 | 0.28% |
| JOSEPH VOGEL3 | 2409 AUTUMN VIEW WAY BALTIMORE, MD 21234 | AFLAC | $37 | — | $37 | 0.24% |
| KENNETH B COFER3 | 5950 SYMPHONY WOODS RD STE 214 COLUMBIA, MD 21044 | AFLAC | $32 | — | $32 | 0.21% |
| BRANT INC3 | 3111 EXPRESSO WAY YORK, PA 17406 | AFLAC | $28 | — | $28 | 0.18% |
| ALYSON D ROTHBERG3 Filed as: ALYSON ROTHBERG | 35 BITTLE RD LITTLESTOWN, PA 17340 | AFLAC | $25 | — | $25 | 0.16% |
| CAROLINE D MORNINGSTAR3 Filed as: CAROLINE MORNINGSTAR | 11285 DOVEDALE CT MARRIOTTSVILLE, MD 21104 | AFLAC | $23 | — | $23 | 0.15% |
| CRISTIAN APALAGHIE3 | 3431 CARDINAL LN DOVER, PA 17315 | AFLAC | $20 | — | $20 | 0.13% |
| FRANCES SHAFFER3 | 14025 TOWER RD SMITHSBURG, MD 21783 | AFLAC | $16 | — | $16 | 0.11% |
| MARK R KOWALSKI3 Filed as: MARK KOWALSKI | 33 BRYAN CT GETTYSBURG, PA 17325 | AFLAC | $16 | — | $16 | 0.11% |
| JEREMY A FELDMAN3 Filed as: JEREMY FELDMAN | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $13 | — | $13 | 0.09% |
| CRISTY PAYNE3 Filed as: CRISTY LYNN PAYNE | 2458 VALLEY VIEW WAY ELLICOTT CITY, MD 21043 | AFLAC | $11 | — | $11 | 0.07% |
| NICOLE FRIBUSH3 | 8 OAK HOLLOW CT PIKESVILLE, MD 21208 | AFLAC | $9 | — | $9 | 0.06% |
| DONNA GELHARD3 Filed as: DONNA PATTISON | PO BOX 18013 MIDDLE RIVER, MD 21220 | AFLAC | $8 | — | $8 | 0.05% |
| SUSAN MCDANIEL3 | 661 SAINT PAUL ST APT D BALTIMORE, MD 21202 | AFLAC | $8 | — | $8 | 0.05% |
| MARK D BARBIER3 Filed as: MARK BARBIER | 802 DEER TRAIL LN OAK BROOK, IL 60523 | AFLAC | $7 | — | $7 | 0.05% |
| PETE E KHALAF3 Filed as: PETE KHALAF | 13005 CARNEY ST SILVER SPRING, MD 20906 | AFLAC | $7 | — | $7 | 0.05% |
| JAMES M PITZ3 Filed as: JAMES PITZ | 84 MINK DRIVE CATAULA, GA 31804 | AFLAC | $5 | — | $5 | 0.03% |
| KELLY LYNN FELDMAN3 Filed as: KELLY FELDMAN | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $5 | — | $5 | 0.03% |
| PAUL THAYER3 | 9225 BRETTON REEF RD PARKVILLE, MD 21234 | AFLAC | $5 | — | $5 | 0.03% |
| DAVID WAGENHEIM3 | 582 WOODBINE AVE TOWSON, MD 21204 | AFLAC | $3 | — | $3 | 0.02% |
| IRENE E BROOKS3 Filed as: IRENE BROOKS | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $3 | — | $3 | 0.02% |
| SUSAN MCDANIEL3 | 10304 MALCOLM CIRCLE APT F COCKEYSVILLE, MD 21030 | AFLAC | $1 | — | $1 | 0.01% |
| GREGORY D HILL3 Filed as: GREGORY HILL | 16142 SWALLOWTAIL PL MIDOTHIAN, VA 23113 | 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 | 264 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 223 | $2.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 175 | $132K |
| Vision | AMERITAS LIFE INSURANCE CORP | 139 | $24K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 264 | $298K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 264 | $283K |
| Prescription drug | CAREFIRST BLUECHOICE | 223 | $2.8M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 264 | $283K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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.