| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEVIN F FITZPATRICK3 | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.71% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 6.39% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9201 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.54% |
| EBSME LLC3 | PO BOX 120 MT AIRY, MD 21771 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $876 | $0 | $876 | 3.61% |
| KEVIN F FITZPATRICK3 | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 13.41% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 7.79% |
| EBSME LLC3 | PO BOX 120 MT AIRY, MD 21771 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $958 | $0 | $958 | 7.22% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9201 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $735 | $735 | 5.54% |
| KEVIN F FITZPATRICK3 | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 13.14% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 21771 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $797 | $797 | 7.18% |
| EBSME LLC3 | PO BOX 120 MT AIRY, MD 21771 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $785 | $0 | $785 | 7.08% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BNFT ADMSTRS INC | PO BOX 9201 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $615 | $615 | 5.54% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET STE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $126 | $0 | $126 | 1.76% |
| JOSEPH M BRZECZEK3 | 1012 W STATE COLLEGE RD STE 203 DOVER, DE 19904 | TRANSAMERICA LIFE INSURANCE COMPANY | $109 | $0 | $109 | 1.53% |
| JOHN J REITH3 Filed as: JOHN REITH | 7010 HOMELAND COURT PRINCE FREDERICK, MD 20678 | TRANSAMERICA LIFE INSURANCE COMPANY | $47 | $0 | $47 | 0.66% |
| JORDAN A PURCELL3 | 203 MARKET ST SUITE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.04% |
| KEVIN F FITZPATRICK3 | 6720 ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $361 | $0 | $361 | 6.70% |
| EBSME LLC3 | PO BOX 120 MT AIRY, MD 21771 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $195 | $0 | $195 | 3.62% |
| KEVIN F FITZPATRICK3 | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $171 | $0 | $171 | 13.20% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $98 | $98 | 7.57% |
| EBSME LLC3 | PO BOX 120 MT AIRY, MD 21771 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $92 | $0 | $92 | 7.10% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9201 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $72 | $72 | 5.56% |
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 | 61 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 61 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 50 | $24K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 47 | $5K |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 61 | $8K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 33 | $13K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 61 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 61 | — |
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.