| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CR SUITE 4500 HUNT VALLEY, MD 21031 | HIGHMARK, INC. | $574 | — | $574 | 0.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 200 INTERNATIONAL CIR STE 4500 HUNT VALLEY, MD 21030 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $45K | $45K | 2.97% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 1416 SWEET HOME RD SUITE 6 AMHERST, NY 14228 | METROPOLITAN LIFE INSURANCE COMPANY | — | $15K | $15K | 1.07% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 21 E 5TH AVE SUITE 204 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $17 | $2K | 0.17% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIR HUNT VALLEY, MD 21030 | KAISER FOUNDATION HEALTH PLAN INC | $420 | — | $420 | 0.07% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 21 E 5TH AVE STE 204 CONSHOHOCKEN, PA 19428 | VISION SERVICE PLAN | $6 | — | $6 | 0.00% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIR HUNT VALLEY, MD 21030 | KAISER FOUNDATION HEALTH PLAN INC | $137 | — | $137 | 0.09% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 21 E 5TH AVE SUITE 204 CONSHOHOCKEN, PA 19428 | LEGAL RESOURCES | $6K | — | $6K | 5.46% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 21 E 5TH AVE STE 204 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $17 | $4K | 3.89% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC DBA CRAWFOR | 1416 SWEET HOME RD STE 6 AMHERST, NY 14228 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.17% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 21 E 5TH AVE STE 204 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $17 | $3K | 3.64% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC DBA CRAWFOR | 1416 SWEET HOME RD STE 6 AMHERST, NY 14228 | METROPOLITAN LIFE INSURANCE COMPANY | — | $503 | $503 | 0.61% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 21 E 5TH AVE STE 204 CONHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $17 | $2K | 4.08% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC DBA CRAWFOR | 1416 SWEET HOME RD STE 6 AMHERST, NY 14228 | METROPOLITAN LIFE INSURANCE COMPANY | — | $579 | $579 | 1.08% |
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 | 1,935 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,963 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | HIGHMARK, INC. | 1,880 | $21.4M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,748 | $1.5M |
| Vision | VISION SERVICE PLAN | 1,543 | $277K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,910 | $1.5M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,910 | $1.5M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,910 | $1.5M |
| Prescription drug | HIGHMARK, INC. | 1,880 | $20.3M |
| Other(2 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 376 | $240K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,748 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.