| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DR, STE 200 HUNT VALLEY, MD 21030 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | $101K | $105K | 4.56% |
| FOSTER THOMAS INC3 Filed as: FOSTER THOMAS INC. | 181 HARRY S. TRUMAN PKWY, STE 110 ANNAPOLIS, MD 21401 | UNITED HEALTHCARE INSURANCE COMPANY | — | -$68 | -$68 | -0.00% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR, STE 200 HUNT VALLEY, MD 21030 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | — | $17K | 11.34% |
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 | 303 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 145 | $2.3M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 145 | $2.3M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 145 | $2.3M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 303 | $154K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 303 | $154K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 303 | $154K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 303 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.