| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | GROUP HOSPITALIZATION MEDICAL SERVICES INC. | $309K | $67K | $377K | 4.26% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | $127K | $15K | $141K | 17.18% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | — | $13K | 10.73% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | VISION SERVICE PLAN | $4K | — | $4K | 4.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CRAWFORD ADVISORS, LLC EIN 30-0837157 ADMINISTRATOR | Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator; Other services; Contract Administrator Service code 13 | — | $21K |
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 | 994 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,022 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GROUP HOSPITALIZATION MEDICAL SERVICES INC. | 960 | $9.0M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 994 | $942K |
| Vision | VISION SERVICE PLAN | 835 | $93K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 994 | $823K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 994 | $823K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 994 | $823K |
| Prescription drug(2 contracts, 2 carriers) | GROUP HOSPITALIZATION MEDICAL SERVICES INC. | 960 | $9.0M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 994 | $942K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 994 | — |
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.