| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | DELTA DENTAL OF PENNSYLVANIA | $99K | — | $99K | 8.93% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | DELTA DENTAL OF PENNSYLVANIA | $34K | — | $34K | 3.07% |
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS LLC | 200 INTERNATIONAL CIRCLE HUNT VALLEY, MD 21031 | AVALON INSURANCE COMPANY | $135K | — | $135K | 20.00% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21031 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $112K | $17K | $128K | 22.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 100 MATSONFORD RD 4 CORPORATE CTR STE 510 RADNOR, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | $53K | $75 | $53K | 13.73% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER VOLUNTARY BENEFITS | 12421 MEREDITH DRIVE URBANDALE, IA 50398 | METROPOLITAN LIFE INSURANCE COMPANY | — | $39K | $39K | 10.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 101 LARKSPUR LANDING CIR STE 120 LARKSPUR, CA 94939 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 1.37% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS CAPITAL, INC | DBA AP BENEFIT ADVISOR 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | NATIONAL VISION ADMINISTRATORS, LLC | $7K | — | $7K | 5.00% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21031 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $24K | $4K | $27K | 22.69% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 S 8TH STE 700 MINNEAPOLIS, MN 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $2K | $3K | 23.54% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $614 | $1K | $2K | 26.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK INC. EIN 23-1294723 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $166K |
| BLUECROSS BLUESHIELD OF AZ EIN 86-0004538 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $37K |
| HAYS GROUP IN BROKER | Other commissions Service code 55 | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | $19K |
| HUMANA DENTAL INSURANCE COMPANY EIN 39-0714280 CLAIMS PROCESSING | Claims processing Service code 12 | — | $5K |
| HAYS COMPANIES OF GEORGIA BROKER | Other commissions Service code 55 | 3348 PEACHTREE RD NE TOWER 200 SUITE 700 ATLANTA, GA 303261067 | $785 |
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 | 2,709 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 47 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,756 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 2,079 | $1.1M |
| Vision(2 contracts, 2 carriers) | NATIONAL VISION ADMINISTRATORS, LLC | 2,945 | $146K |
| Life insurance(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,902 | $524K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,864 | $559K |
| Stop-loss / reinsurancereinsurance | AVALON INSURANCE COMPANY | 2,241 | $673K |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,902 | $524K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,945 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.