| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS LLC | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 210301338 | UNITED HEALTHCARE INSURANCE COMPANY | $77K | $2K | $79K | 5.12% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31K | $1K | $33K | 17.75% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 4.94% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $285 | $7K | 17.75% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21030 | VISION SERVICE PLAN | $1K | — | $1K | 4.58% |
| MATTHEW W EVANS3 Filed as: MATTHEW EVANS | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $542 | — | $542 | 4.50% |
| MELISSA S LYNCH3 Filed as: MELISSA LYNCH | 507 AUGUSTA DRIVE ARNOLD, MD 21012 | AFLAC | $386 | — | $386 | 3.20% |
| CAROLINE D MORNINGSTAR3 Filed as: CAROLINE MORNINGSTAR | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $178 | — | $178 | 1.48% |
| QSMR INC3 Filed as: QSMR, INC | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $68 | — | $68 | 0.56% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $46 | — | $46 | 0.38% |
| DANIEL PYLE3 | 5716 FALLS ROAD BALTIMORE, MD 21209 | AFLAC | $42 | — | $42 | 0.35% |
| DREW SKIBITSKY3 | 1000 FELL STREET APARTMENT 627 BALTIMORE, MD 21231 | AFLAC | $42 | — | $42 | 0.35% |
| JOHN A LECKLITER3 Filed as: JOHN LECKLITER | 1915 TOWNE CENTRE BOULEVARD UNIT 314 ANNAPOLIS, MD 21401 | AFLAC | $30 | — | $30 | 0.25% |
| KANDIS PERRY3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $15 | — | $15 | 0.12% |
| JEREMY A FELDMAN3 Filed as: JEREMY FELDMAN | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $5 | — | $5 | 0.04% |
| KELLY LYNN FELDMAN3 Filed as: KELLY FELDMAN | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $2 | — | $2 | 0.02% |
| EDWIN VEGA3 | 134 PINECOVE AVENUE ODENTON, MD 21113 | AFLAC | $1 | — | $1 | 0.01% |
| DAVID WAGENHEIM3 | 582 WOODBINE AVENUE TOWSON, MD 21204 | AFLAC | $1 | — | $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 | 248 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 172 | $1.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 205 | $159K |
| Vision | VISION SERVICE PLAN | 185 | $32K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 282 | $183K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 282 | $183K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 282 | $183K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 172 | $1.5M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 282 | $233K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.