| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $48K | $15K | $63K | 22.28% |
| CRAWFORD ADVISORS, LLC5 Filed as: CRAWFORD ADVISORS LLC | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $8K | $8K | 3.00% |
| ASSUREDPARTNERS3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21030 | DELTA DENTAL OF PENNSYLVANIA | $22K | $0 | $22K | 10.39% |
| ASSUREDPARTNERS3 | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.43% |
| ASSUREDPARTNERS3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21030 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 11.52% |
| JASON D ELLIS3 Filed as: JASON D. ELLIS | 203 MARKET STREET, SUITE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 7.18% |
| MICHAEL C WALKER3 Filed as: MICHAEL C. WALKER | 203 MARKET STREET, SUITE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $216 | $0 | $216 | 1.30% |
| KENDA M JOHNSTON3 Filed as: KENDA M. JOHNSTON | 934 SWEENCY, SUITE 8 HAGERSTOWN, MD 21740 | CONTINENTAL AMERICAN INSURANCE COMPANY | $170 | $0 | $170 | 1.02% |
| MARK JOHNSTON3 | 124 UNDERKETERR HEDGESVILLE, WV 25427 | CONTINENTAL AMERICAN INSURANCE COMPANY | $130 | $0 | $130 | 0.78% |
| MICHAEL E RISKA3 Filed as: MICHAEL E. RISKA | 203 MARKET STREET, SUITE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | $0 | $13 | 0.08% |
| HILARY RADOLEC3 Filed as: HILARY B. RADOLEC AND OTHER AGENTS | 8200 WISCONSIN AVENUE APARTMENT 808 BETHESDA, MD 20814 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $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 | 772 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 782 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 613 | $213K |
| Vision | VISION SERVICE PLAN | 369 | $35K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 772 | $281K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 772 | $281K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 772 | $281K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 772 | $298K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 772 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.