| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIR SUITE 4500 HUNT VALLEY, MD 21031 | HIGHMARK, INC. | $187K | — | $187K | 1.05% |
| MF IRVINE COMPANIES LLC3 Filed as: M.F. IRVINE COMPANIES LLC | 21 E 5TH AVENUE SUITE 205 CONSHOHOCKEN, PA 19428 | HIGHMARK, INC. | $59K | — | $59K | 0.33% |
| AP BENEFIT ADVISORS, LLC3 | 21 E 5TH AVE STE 204 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $62K | $15 | $62K | 4.96% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIR STE 4500 HUNT VALLEY, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | — | $10K | $10K | 0.80% |
| MF IRVINE COMPANIES LLC3 Filed as: M.F. IRVINE COMPANIES, LLC | 21 E 5TH AVE STE 204 CONSHOHOCKEN, PA 19428 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $124K | $3K | $127K | 12.32% |
| AP BENEFIT ADVISORS, LLC3 | 21 E 5TH AVE STE 204 CONSHOHOCKEN, PA 19428 | VISION SERVICE PLAN | $6K | — | $6K | 2.52% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE STE 4500 HUNT VALLEY, MD 21030 | VISION SERVICE PLAN | $1K | — | $1K | 0.48% |
| MF IRVINE COMPANIES LLC3 Filed as: M.F. IRVINE COMPANIES, LLC | 21 EAST FIFTH AVENUE SUITE 204 CONSHOHOCKEN, PA 19428 | METLIFE LEGAL PLANS | $4K | — | $4K | 9.81% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIR SUITE 4500 HUNT VALLEY, MD 21031 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $450 | — | $450 | 15.00% |
No Schedule C service providers reported on this filing.
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 | 1,636 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,659 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK, INC. | 1,712 | $18.4M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,306 | $1.3M |
| Vision | VISION SERVICE PLAN | 1,364 | $244K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,636 | $1.0M |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,636 | $1.0M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,636 | $1.0M |
| Prescription drug | HIGHMARK, INC. | 1,712 | $17.9M |
| Other(3 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 195 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,306 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.