| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 1.84% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: THE EMPLOYEE BENEFITS GROUP, INC. | 4405 EAST WEST HIGHWAY SUITE 202 BETHESDA, MD 20814 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 0.98% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $615 | $10K | 8.21% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: THE EMPLOYEE BENEFITS GROUP INC. | 4405 EAST WEST HIGHWAY SUITE 202 BETHESDA, MD 20814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 4.28% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: THE EMPLOYEE BENEFITS GROUP, INC. | 4405 EAST WEST HIGHWAY SUITE 202 BETHESDA, MD 20814 | AETNA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.12% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $127 | $2K | 8.38% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: THE EMPLOYEE BENEFITS GROUP, INC. | 4405 EAST WEST HIGHWAY SUIE 202 BETHESDA, MD 20814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 4.12% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | FIDELITY SECURITY LIFE INS CO | $864 | — | $864 | 7.21% |
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS LLC | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | AETNA INTERNATIONAL | $634 | — | $634 | 15.01% |
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 | 186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | INNOVATION HEALTH | 221 | $1.2M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 221 | $275K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 147 | $52K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 186 | $194K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 186 | $127K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 186 | $127K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 186 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.