| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $32K | $460 | $32K | 16.42% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $16K | $219 | $16K | 16.29% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $16K | $231 | $16K | 16.42% |
| AP BENEFITS ADVISORS LLC3 Filed as: AP BENEFITS ADVISORS, LLC | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | VISION SERVICE PLAN | $2K | — | $2K | 4.18% |
| JASON D ELLIS3 | 203 MARKET STREET, STE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.62% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.45% |
| MICHAEL C WALKER3 Filed as: MICHAEL WALKER | 203 MARKET STREET, STE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $401 | — | $401 | 1.12% |
| KIMBERLY L LUSHBAUGH3 | 14 CATAWBA CIRCLE HAGERSTOWN, MD 21742 | CONTINENTAL AMERICAN INSURANCE COMPANY | $337 | — | $337 | 0.95% |
| J ELLIS INSURANCE AGENCY INC3 Filed as: J. ELLIS INSURANCE AGENCY | 203 MARKET STREET, STE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $199 | — | $199 | 0.56% |
| ROBERT A ANDERSON3 | 13710 GERNERAL GEARY CT FREDERICKSBURG, VA 22407 | CONTINENTAL AMERICAN INSURANCE COMPANY | $137 | — | $137 | 0.38% |
| MARK JOHNSTON3 | 934 SWEENEY DR, STE 8 HAGERSTOWN, MD 21740 | CONTINENTAL AMERICAN INSURANCE COMPANY | $133 | — | $133 | 0.37% |
| KATHRYN ANDERSON3 | 6706 FARMSTEAD LN FREDERICKSBURG, VA 22407 | CONTINENTAL AMERICAN INSURANCE COMPANY | $88 | — | $88 | 0.25% |
| GARY W GREENE3 | 1323 YATES CIR FREDERICKSBURG, VA 22401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $60 | — | $60 | 0.17% |
| DAVID N MORGAN3 | 11520 NUCKOLS ROAD, STE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 0.10% |
| KAREN E ALTMIRE3 | 12800 MIDDLEBROOK RD, STE 490 GERMANTOWN, MD 20874 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | — | $31 | 0.09% |
| KENDA M JOHNSTON3 | 934 SWEENEY DR, STE 8 HAGERSTOWN, MD 21740 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | — | $30 | 0.08% |
| MICHAEL E RISKA3 | 203 MARKET STREET, STE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.08% |
| DANIEL E ALTMIRE3 Filed as: DANIEL ALTMIRE | 12800 MIDDLEBROOK RD, STE 490 GERMANTOWN, MD 20874 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.04% |
| DAVID MORNINGSTAR3 Filed as: DAVID G MORNINGSTAR | 11275 DOVEDALE CT MARRIOTTSVILLE, MD 21104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.03% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD, STE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| RICHARD KRESINSKE3 | PO BOX 15341 CHESAPEAKE, VA 23328 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| KELLY LYNN FELDMAN3 Filed as: KELLY FELDMAN | 14 PINE HILL CT WOODSTOCK, MD 21163 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JEREMY A FELDMAN3 | 11275 DOVEDALE CT MARRIOTTSVILLE, MD 21104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| HILARY RADOLEC3 Filed as: HILARY B RADOLEC | 8200 WISCONSIN AVE, APT 808 BETHESDA, MD 20814 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST OF MARYLAND, INC. EIN 52-1385894 MED ADMINISTRATOR | Contract Administrator Service code 13 | — | $313K |
| JANUS ASSOCIATES, INC. DBA BHS EIN 52-1306404 EAP/WELLNESS ADMIN | Contract Administrator Service code 13 | — | $72K |
| DELTA DENTAL OF PENNSYLVANIA EIN 23-1667011 DENTAL ADMINISTRATOR | Contract Administrator Service code 13 | — | $25K |
| LIBERTY LIFE ASSURANCE CO OF BOSTON EIN 04-6076039 FMLA ADMIN | Contract Administrator Service code 13 | — | $15K |
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 | 431 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 440 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 239 | $44K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 431 | $101K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 431 | $196K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 431 | $99K |
| Other(4 contracts, 4 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 431 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 431 | — |
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.