ATC - Employee AD&D Coverage not matching when max is met

Please look at employee Charles Holland. He elected EE Life with a coverage amount of 200K during OE and the system gave him the two increments of GI 20k which is correct and pended the remaining amount.
For some reason when the contingent AD&D amount enrolled it is enrolling him in the max of 5x salary and pending nothing. I cannot figure why the EE Life and EE AD&D are set up the same and should always match.
I thought that maybe some customization was changed after the elections were made but that is not the case. I created Debbie Test and I was able to reproduce the issue.
There are currently 65 employees in this situation. I need you to research the root cause and fix the impacted employees.