| 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 | $29K | $3K | $32K | 16.43% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $16K | $1K | $18K | 16.34% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $15K | $1K | $16K | 16.44% |
| AP BENEFITS ADVISORS LLC3 Filed as: AP BENEFITS ADVISORS, LLC | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | VISION SERVICE PLAN | $2K | — | $2K | 3.91% |
| JASON D ELLIS3 | 203 MARKET STREET, STE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $783 | — | $783 | 2.55% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | CONTINENTAL AMERICAN INSURANCE COMPANY | $589 | — | $589 | 1.92% |
| KIMBERLY L LUSHBAUGH3 | 14 CATAWBA CIRCLE HAGERSTOWN, MD 21742 | CONTINENTAL AMERICAN INSURANCE COMPANY | $211 | — | $211 | 0.69% |
| MICHAEL C WALKER3 Filed as: MICHAEL WALKER | 203 MARKET STREET, STE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $205 | — | $205 | 0.67% |
| 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 | $125 | — | $125 | 0.41% |
| ROBERT A ANDERSON3 | 13710 GERNERAL GEARY CT FREDERICKSBURG, VA 22407 | CONTINENTAL AMERICAN INSURANCE COMPANY | $87 | — | $87 | 0.28% |
| MARK JOHNSTON3 | 124 UNDERKE TERR HEDGESVILLE, WV 25427 | CONTINENTAL AMERICAN INSURANCE COMPANY | $84 | — | $84 | 0.27% |
| KATHRYN ANDERSON3 | 6706 FARMSTEAD LN FREDERICKSBURG, VA 22407 | CONTINENTAL AMERICAN INSURANCE COMPANY | $56 | — | $56 | 0.18% |
| GARY W GREENE3 | 1323 YATES CIR FREDERICKSBURG, VA 22401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | — | $38 | 0.12% |
| DAVID N MORGAN3 | 11520 NUCKOLS ROAD, STE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.07% |
| KENDA M JOHNSTON3 | 934 SWEENEY DR, STE 8 HAGERSTOWN, MD 21740 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.06% |
| MICHAEL E RISKA3 | 203 MARKET STREET, STE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.06% |
| KAREN E ALTMIRE3 | 12800 MIDDLEBROOK RD, STE 490 GERMANTOWN, MD 20874 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD, STE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| RICHARD KRESINSKE3 | PO BOX 15341 CHESAPEAKE, VA 23328 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| DANIEL E ALTMIRE3 Filed as: DANIEL ALTMIRE | 12800 MIDDLEBROOK RD, STE 490 GERMANTOWN, MD 20874 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| DAVID MORNINGSTAR3 Filed as: DAVID G MORNINGSTAR | 11275 DOVEDALE CT MARRIOTTSVILLE, MD 21104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST OF MARYLAND, INC. EIN 52-1385894 MED ADMINISTRATOR | Contract Administrator Service code 13 | — | $308K |
| DELTA DENTAL OF PENNSYLVANIA EIN 23-1667011 DENTAL ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $25K |
| EXPRESS SCRIPTS EIN 22-3461740 RX ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $21K |
| LINCOLN LIFE ASSURANCE CO OF BOSTON EIN 04-6076039 FMLA ADMIN | Contract Administrator Service code 13 | — | $14K |
| JANUS ASSOCIATES, INC. DBA BHS EIN 52-1306404 EAP/WELLNESS ADMIN | Contract Administrator Service code 13 | — | $11K |
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 | 427 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 433 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 257 | $45K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 427 | $108K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 427 | $196K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 427 | $98K |
| Other(4 contracts, 3 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 427 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 427 | — |
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.