| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MML INS AGENCY LLC3 Filed as: MML INS AGENCY, LLC | PO BOX 8089 BOSTON, MA 02266 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | — | $22K | 5.63% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $6K | $21K | 20.57% |
| RMC SOLUTIONS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.69% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21031 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $3K | $15K | 19.46% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | VISION SERVICE PLAN | $2K | — | $2K | 3.41% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 18.46% |
| J ELLIS INSURANCE AGENCY INC3 Filed as: J ELLIS INSURANCE AGENCY | 203 MARKET ST, STE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $251 | — | $251 | 1.69% |
| AUTUMN STROHMAIER3 Filed as: AUTUMN M STROHMAIER | 254 CHAPMAN RD, STE 203 NEWARK, DE 19702 | CONTINENTAL AMERICAN INSURANCE COMPANY | $209 | — | $209 | 1.41% |
| JASON A BARE3 | 203 MARKET ST, STE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $152 | — | $152 | 1.02% |
| MICHAEL C WALKER3 | 203 MARKET ST, STE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $149 | — | $149 | 1.00% |
| JASON D ELLIS3 | 203 MARKET ST, STE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $83 | — | $83 | 0.56% |
| MICHAEL E RISKA3 | 203 MARKET ST, STE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.17% |
| LEILA RAPPAPORT3 | 501 SILVERSIDE RD, STE 42 WILMINGTON, DE 19809 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.17% |
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS, | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $921 | $342 | $1K | 20.57% |
| RMC SOLUTIONS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $105 | $105 | 1.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST BCBS EIN 52-1385894 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $343K |
| WELLNESS CORORATE SOLUTIONS, LLC EIN 20-1673089 WELLNESS ADMINISTRATOR | Contract Administrator Service code 13 | — | $44K |
| CIGNA EIN 59-1031071 DENTAL ADMINISTRATOR | Contract Administrator Service code 13 | — | $26K |
| KEPRO ACQUISTIONS, INC EIN 25-1796254 EAP ADMINISTRATOR | Contract Administrator Service code 13 | — | $10K |
| CRAWFORD ADVISORS, LLC EIN 30-0837157 FSA ADMINISTRATOR | Claims processing Service code 12 | — | $10K |
| EXPRESS SCRIPTS EIN 22-3461740 RX ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $8K |
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 | 437 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 450 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 437 | $58K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 406 | $463K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 336 | $6K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 336 | $104K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 406 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 437 | — |
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.