| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $39K | $7K | $46K | 16.02% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | $3K | $25K | 15.86% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | $4K | $24K | 16.33% |
| AP BENEFITS ADVISORS LLC3 Filed as: AP BENEFITS ADVISORS, LLC | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | VISION SERVICE PLAN | $2K | — | $2K | 3.64% |
| JASON D ELLIS3 | 203 MARKET STREET, STE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 6.42% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.80% |
| MICHAEL C WALKER3 Filed as: MICHAEL WALKER | 203 MARKET STREET, STE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $488 | — | $488 | 1.25% |
| KIMBERLY L LUSHBAUGH3 | 14 CATAWBA CIRCLE HAGERSTOWN, MD 21742 | CONTINENTAL AMERICAN INSURANCE COMPANY | $214 | — | $214 | 0.55% |
| 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 | $126 | — | $126 | 0.32% |
| ROBERT A ANDERSON3 | 13710 GERNERAL GEARY CT FREDERICKSBURG, VA 22407 | CONTINENTAL AMERICAN INSURANCE COMPANY | $84 | — | $84 | 0.22% |
| MARK JOHNSTON3 | 124 UNDERKE TERR HEDGESVILLE, WV 25427 | CONTINENTAL AMERICAN INSURANCE COMPANY | $83 | — | $83 | 0.21% |
| KATHRYN ANDERSON3 | 6706 FARMSTEAD LN FREDERICKSBURG, VA 22407 | CONTINENTAL AMERICAN INSURANCE COMPANY | $56 | — | $56 | 0.14% |
| GARY W GREENE3 | 1312 YATES CIRCLE FREDERICKSBURG, VA 22401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | — | $37 | 0.09% |
| MICHAEL E RISKA3 | 203 MARKET STREET, STE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.06% |
| KENDA M JOHNSTON3 | 934 SWEENCY DR, STE 8 HAGERSTOWN, MD 21740 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.05% |
| KAREN E ALTMIRE3 | 12800 MIDDLEBROOK RD, STE 490 GERMANTOWN, MD 20874 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| DAVID N MORGAN3 | 11520 NUCKOLS ROAD, STE 103 GLEN ALLEN, VA 23059 | 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 | — | $938K |
| EXPRESS SCRIPTS EIN 43-1420563 RX ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $90K |
| JANUS ASSOCIATES, INC. DBA BHS EIN 52-1306404 EAP/WELLNESS ADMIN | Contract Administrator Service code 13 | — | $89K |
| DELTA DENTAL OF PENNSYLVANIA EIN 23-1667011 DENTAL ADMINISTRATOR | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $31K |
| LINCOLN NATIONAL LIFE INS CO EIN 35-0472300 FMLA ADMIN | Contract Administrator Service code 13 | — | $20K |
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 | 616 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 21 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 637 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 330 | $53K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 616 | $145K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 616 | $290K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 616 | $155K |
| Other(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 616 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 616 | — |
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.