| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $124K | $87K | $211K | 15.60% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $54K | $46K | $101K | 13.73% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $8K | $19K | 17.00% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | FOUR EVER LIFE INS CO. | $1K | — | $1K | 8.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: HIGHMARK BCBS | 19 NORTH MAIN STREET WILKES BARRE, PA 18711 | FOUR EVER LIFE INS CO. | — | $644 | $644 | 4.00% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | HYATT LEGAL PLANS | $1K | $242 | $1K | 15.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK DELAWARE EIN 51-0020405 MEDICAL ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $1.6M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 DENTAL ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $120K |
| LINCOLN NATIONAL LIFE INSURANCE CO EIN 35-0472300 FMLA/STD ADMINISTRATION | Claims processing Service code 12 | — | $109K |
| EXPRESS SCRIPTS EIN 22-3461740 RX ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $62K |
| CRAWFORD ADVISORS, LLC EIN 30-0837157 COBRA/FSA ADMINISTRATOR | Claims processing Service code 12 | — | $62K |
| BANK OF AMERICA EIN 94-1687665 HSA ADMINISTRATOR | Contract Administrator Service code 13 | — | $19K |
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 | 2,796 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 64 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,900 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INS CO. | 1 | $16K |
| Vision | VISION BENEFITS OF AMERICA | 1,938 | $309K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,796 | $1.4M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,793 | $734K |
| Prescription drug | FOUR EVER LIFE INS CO. | 1 | $16K |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,796 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,796 | — |
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.