| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $14K | $23K | 2.27% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $136K | $16K | $153K | 16.79% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 COCKEYSVILLE, MD 210301338 | RELIASTAR LIFE INSURANCE COMPANY | $240K | — | $240K | 27.46% |
| ADP INC3 Filed as: ADP, LLC | 2835 DECKER LAKE DRIVE SALT LAKE CITY, UT 841192330 | RELIASTAR LIFE INSURANCE COMPANY | — | $99K | $99K | 11.33% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $13K | $13K | 2.91% |
| AP BENEFIT ADVISORS, LLC3 | 10 N PARK DRIVE SUITE 200 HUNT VALLEY, MD 210301827 | PRINCIPAL LIFE INSURANCE COMPANY | $102K | — | $102K | 23.48% |
| METTLE LLC3 | 8775 CENTRE PARK DR SUITE M115 COLUMBIA, MD 210452177 | PRINCIPAL LIFE INSURANCE COMPANY | $53K | — | $53K | 12.15% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | $31K | $31K | 20.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | $18K | $18K | 20.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS, LLC | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | ZURICH AMERICAN INSURANCE COMPANY | $0 | — | $0 | — |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATE ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | $0 | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF SC EIN 57-0287419 HEALTH/RX ADMIN | Claims processing; Contract Administrator Service code 12 | — | $73.6M |
| CIGNA EIN 59-1031071 DENTAL ADMIN | Non-monetary compensation; Claims processing; Float revenue; Direct payment from the plan; Contract Administrator; Other services; Participant communication; Named fiduciary Service code 12 | — | $184K |
| VISION SERVICE PLAN EIN 06-1227840 VISION ADMIN | Contract Administrator; Claims processing Service code 12 | — | $62K |
| WEX EIN 01-0526993 FSA ADMIN FEES | Contract Administrator; Claims processing Service code 12 | — | $19K |
| LINCOLN NATIONAL LIFE INS. COMP EIN 35-0472300 ATP ADMIN | Contract Administrator; Claims processing Service code 12 | — | $0 |
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 | 6,877 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 248 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE COMPANY AND AFFILIATES | 5,937 | $1.2M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,877 | $1.0M |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,978 | $873K |
| Other(6 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,877 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,877 | — |
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.