| 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 | $162 | $2K | $2K | 0.17% |
| MELISSA S LYNCH3 Filed as: MELISSA LYNCH | 507 AUGUSTA DRIVE ARNOLD, MD 21012 | AFLAC | $1K | — | $1K | 10.69% |
| MATTHEW W EVANS3 Filed as: MATTHEW EVANS | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $476 | — | $476 | 4.87% |
| QSMR INC3 Filed as: QSMR, INC | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $355 | — | $355 | 3.63% |
| DREW SKIBITSKY3 | 1000 FELL STREET APARTMENT 627 BALTIMORE, MD 21231 | AFLAC | $245 | — | $245 | 2.51% |
| CAROLINE D MORNINGSTAR3 Filed as: CAROLINE MORNINGSTAR | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $94 | — | $94 | 0.96% |
| DANIEL PYLE3 | 5716 FALLS ROAD BALTIMORE, MD 21209 | AFLAC | $39 | — | $39 | 0.40% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $31 | — | $31 | 0.32% |
| JOHN A LECKLITER3 Filed as: JOHN LECKLITER | 1915 TOWNE CENTRE BOULEVARD UNIT 314 ANNAPOLIS, MD 21401 | AFLAC | $18 | — | $18 | 0.18% |
| JEREMY A FELDMAN3 Filed as: JEREMY FELDMAN | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $11 | — | $11 | 0.11% |
| KELLY LYNN FELDMAN3 Filed as: KELLY FELDMAN | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $5 | — | $5 | 0.05% |
| DAVID WAGENHEIM3 | 582 WOODBINE AVENUE TOWSON, MD 21204 | AFLAC | $3 | — | $3 | 0.03% |
| KANDIS PERRY3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $2 | — | $2 | 0.02% |
| EDWIN VEGA3 | 134 PINECOVE AVENUE ODENTON, MD 21113 | AFLAC | $2 | — | $2 | 0.02% |
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 | 304 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 446 | $1.3M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 444 | $137K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 446 | $1.3M |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 405 | $165K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 405 | $165K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 405 | $165K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 446 | $1.3M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 405 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 446 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.