| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFITS ADVISORS LLC3 | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21031 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $88K | $105K | 7.25% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21031 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $42K | $50K | 7.44% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21031 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $31K | $36K | 8.47% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $8K | $8K | 5.06% |
| AP BENEFIT ADVISORS, LLC3 | 21 E 5TH AVE SUITE 204 CONSHOHOCKEN, PA 19428 | LEGAL RESOURCES | $8K | — | $8K | 5.32% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 4.92% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 4.94% |
| ASSUREDPARTNERS3 Filed as: AP BENEIFT ADVISORS, LLC | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $446 | $2K | $2K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK, INC. EIN 23-1294723 TPA | Claims processing; Contract Administrator Service code 12 | — | $1.6M |
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 | 2,958 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,002 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 137 | $1.5M |
| Dental | DELTA DENTAL | 2,178 | $1.7M |
| Vision | VISION SERVICE PLAN | 1,997 | $439K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,380 | $1.4M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,958 | $427K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,471 | $667K |
| Other(5 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,497 | $611K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,958 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.