| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CR SUITE 4500 HUNT VALLEY, MD 21031 | HIGHMARK, INC. | $167K | — | $167K | 1.37% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 21 EAST 5 AVE STE 204 CONSHOHOCKEN, PA 19428 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $126K | — | $126K | 8.39% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 200 INTERNATIONAL CIR STE 4500 HUNT VALLEY, MD 21030 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $16K | $16K | 1.04% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 21 E 5TH AVE STE 204 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $36K | $8K | $44K | 3.33% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC DBACRAWFORD | 1416 SWEET HOME RD STE 6 AMHERST, NY 14228 | METROPOLITAN LIFE INSURANCE COMPANY | — | $17K | $17K | 1.30% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIR HUNT VALLEY, MD 21030 | KAISER FOUNDATION HEALTH PLAN INC | $21K | — | $21K | 3.62% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 21 E 5TH AVE STE 204 CONSHOHOCKEN, PA 19428 | VISION SERVICE PLAN | $5K | — | $5K | 1.80% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIR HUNT VALLEY, MD 21030 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 1.31% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 21 E 5TH AVE STE 204 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $16 | $19K | 16.52% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC DBA CRAWFOR | 1416 SWEET HOME RD STE 6 AMHERST, NY 14228 | METROPOLITAN LIFE INSURANCE COMPANY | — | $472 | $472 | 0.41% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 21 E 5TH AVE STE 204 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $16 | $14K | 16.54% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC DBA CRAWFOR | 1416 SWEET HOME RD STE 6 AMHERST, NY 14228 | METROPOLITAN LIFE INSURANCE COMPANY | — | $354 | $354 | 0.41% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 21 E 5TH AVE STE 204 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $16 | $8K | 10.59% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LL DBA CRAWFORD | 1416 SWEET HOME RD STE 6 AMHERST, NY 14228 | METROPOLITAN LIFE INSURANCE COMPANY | — | $323 | $323 | 0.42% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 21 E 5TH AVE STE 204 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $16 | $8K | 10.57% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC DBA CRAWFOR | 1416 SWEET HOME RD STE 6 AMHERST, NY 14228 | METROPOLITAN LIFE INSURANCE COMPANY | — | $306 | $306 | 0.42% |
| MF IRVINE COMPANIES LLC3 Filed as: M.F. IRVINE COMPANIES, LLC | 21 EAST FIFTH AAVE SUITE 204 CONSHOHOCKEN, PA 19428 | METLIFE LEGAL PLANS | $7K | — | $7K | 11.26% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 21 E 5TH AVE STE 204 CONHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $16 | $10K | 16.53% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC DBA CRAWFOR | 1416 SWEET HOME RD STE 6 AMHERST, NY 14228 | METROPOLITAN LIFE INSURANCE COMPANY | — | $255 | $255 | 0.41% |
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 | 1,883 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,910 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 3 carriers) | HIGHMARK, INC. | 1,840 | $13.3M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,693 | $1.4M |
| Vision | VISION SERVICE PLAN | 1,619 | $269K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,883 | $1.5M |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,883 | $1.5M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,883 | $1.5M |
| Prescription drug | HIGHMARK, INC. | 1,840 | $12.1M |
| Other(3 contracts, 3 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 628 | $237K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,693 | — |
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."
No prospect flags tripped on this filing.