Form 5500 · Employee benefit plan · COLUMBIA, MD
COLLEGE LIVING EXPERIENCE
The filing calls this plan COLLEGE LIVING EXPERIENCE EMPLOYEE BENEFITS PLAN.
COLLEGE LIVING EXPERIENCE of COLUMBIA, MD spreads its employee benefits across 4 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is KEVIN L. KRAUSE. Coverage is written through HIGHMARK BLUE SHIELD and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 27-0293554 · plan 501 · plan year 2024, filed Jul 8, 2025
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How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
Also declared: other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 7 insured contracts covering health, dental, vision, life and disability; the largest, with HIGHMARK BLUE SHIELD, covers 119 people.
Reported premium across the insured contracts is $1,652,060, with $48,629 in disclosed broker commissions — about 2.9% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
KEVIN L. KRAUSE is the broker of record on 1 of the 7 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including HIGHMARK BLUE SHIELD, THE LINCOLN NATIONAL LIFE INSURANCE COMPANY, UNUM LIFE INSURANCE COMPANY OF AMERICA and PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY. HIGHMARK BLUE SHIELD writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HIGHMARK BLUE SHIELD | Health, Dental, Vision | 119 | Jan 1, 2025 | $1,591,996 | $40,673 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 49 | Jan 1, 2025 | $23,742 | $2,374 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 284 | Jan 1, 2025 | $12,637 | $1,264 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | — | 25 | Jan 1, 2025 | $2,601 | $1,222 |
| PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | Life | 17 | Jan 1, 2025 | $1,570 | $1,144 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 55 | Jan 1, 2025 | $10,005 | $1,001 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 47 | Jan 1, 2025 | $9,509 | $951 |
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
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