| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS LLC | 200 INTERNATIONAL CIR STE 4500 HUNT VALLEY, MD 210301338 | VISION SERVICE PLAN | $2K | — | $2K | 14.95% |
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS LLC | 200 INTERNATIONAL CIR HUNT VALLEY, MD 210301331 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 154.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CRAWFORD ADVISORS EIN 30-0837157 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $121K |
| NORTHERN TRUST COMPANY EIN 36-1561860 NONE | Direct payment from the plan; Investment management Service code 28 | — | $32K |
| RSM US LLP EIN 42-0714325 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $31K |
| ALLIED BENEFIT SYSTEMS INC. EIN 36-3086057 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $25K |
| MELLON EQUITY ASSOCIATES EIN 25-1777361 NONE | Direct payment from the plan; Investment management Service code 28 | — | $15K |
| BARROW, HANLEY, MEWHINNEY EIN 75-2403190 NONE | Direct payment from the plan; Investment management Service code 28 | — | $12K |
| ATLANTA CAPITAL EIN 58-2236910 NONE | Direct payment from the plan; Investment management Service code 28 | — | $11K |
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 | 72 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 278 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 350 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 437 | $13K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 513 | $2K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 513 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 513 | — |
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.