| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $80K | $80K | 4.86% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $3K | $7K | 4.90% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 400 GALLERIA PKWY SE, STE 300 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | -$19K | -$2K | -$22K | -14.77% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | STANDARD INSURANCE COMPANY | $15K | — | $15K | 20.10% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | EYEMED VISION CARE | $2K | — | $2K | 8.30% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | FRESHBENIES | $2K | — | $2K | 26.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BHS EIN 52-1306404 EAP | Contract Administrator Service code 13 | — | $8K |
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 | 339 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 289 | $1.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 299 | $147K |
| Vision | EYEMED VISION CARE | 309 | $25K |
| Life insurance | STANDARD INSURANCE COMPANY | 339 | $72K |
| Short-term disability | STANDARD INSURANCE COMPANY | 339 | $72K |
| Long-term disability | STANDARD INSURANCE COMPANY | 339 | $72K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 339 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 339 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.