| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $79K | $86K | 5.00% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $945 | $24K | 17.69% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $240 | $6K | 17.69% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | VISION SERVICE PLAN | $1K | — | $1K | 5.09% |
| MATTHEW W EVANS3 Filed as: MATTHEW EVANS | 817 MAIDEN CHOICE LN STE 340 CATONSVILLE, MD 21228 | AFLAC | $509 | — | $509 | 4.50% |
| MELISSA S LYNCH3 Filed as: MELISSA LYNCH | 507 AUGUSTA DR ARNOLD, MD 21012 | AFLAC | $362 | — | $362 | 3.20% |
| CAROLINE D MORNINGSTAR3 Filed as: CAROLINE MORNINGSTAR | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTSVILLE, MD 21104 | AFLAC | $167 | — | $167 | 1.48% |
| QSMR INC3 Filed as: QSMR, INC | 817 MAIDEN CHOICE LN STE 340 CATONSVILLE, MD 21228 | AFLAC | $64 | — | $64 | 0.57% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTSVILLE, MD 21104 | AFLAC | $43 | — | $43 | 0.38% |
| DREW SKIBITSKY3 | 1000 FELL ST APT 627 BALTIMORE, MD 21231 | AFLAC | $40 | — | $40 | 0.35% |
| DANIEL PYLE3 | 5716 FALLS RD BALTIMORE, MD 21209 | AFLAC | $39 | — | $39 | 0.34% |
| JOHN A LECKLITER3 Filed as: JOHN LECKLITER | 1915 TOWNE CENTRE BLVD UNIT 302 ANNAPOLIS, MD 21401 | AFLAC | $27 | — | $27 | 0.24% |
| KANDIS PERRY3 | 817 MAIDEN CHOICE LN STE 340 CATONSVILLE, MD 21228 | AFLAC | $15 | — | $15 | 0.13% |
| KATHERINE COOK3 Filed as: KATHERINE FRECHETTE | 1621 BLUESTONE ST, APT D HANOVER, MD 21076 | AFLAC | $4 | — | $4 | 0.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CRAWFORD ADVISORS, LLC EIN 30-0837157 HR/BEN ADMIN SERVICES | Contract Administrator; Claims processing Service code 12 | — | $46K |
| BUSINESS HEALTH SERVICE EIN 52-1306404 EAP ADMINISTRATOR | Contract Administrator Service code 13 | — | $8K |
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 | 290 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 203 | $1.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 203 | $1.7M |
| Vision | VISION SERVICE PLAN | 171 | $28K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 290 | $137K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 290 | $137K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 290 | $137K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 203 | $1.7M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 290 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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.