| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | AETNA LIFE INSURANCE CO | $15K | — | $15K | 3.75% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC | 100 BENEFITFOCUS WA CHARLESTON, SC 29492 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | $4K | $35K | 25.15% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $1K | $18K | 12.82% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $1K | $21K | 26.75% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $409 | $10K | 13.12% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | HYATT LEGAL PLANS | $4K | $623 | $5K | 12.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CORESOURCE, INC. EIN 35-1846036 COBRA/FSA ADMINISTRATION | Other services; Plan Administrator; Claims processing Service code 12 | — | $542K |
| HEALTH FITNESS EIN 41-1580506 MEDICAL ADMINISTRATION | Claims processing Service code 12 | — | $148K |
| AETNA - PPO EIN 06-6033492 MEDICAL ADMINISTRATION | Claims processing; Other services Service code 12 | — | $139K |
| MULTIPLAN EIN 43-6004435 MEDICAL ADMINISTRATION | Other services; Plan Administrator; Claims processing Service code 12 | — | $60K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 DENTAL ADMINISTRATION | Contract Administrator; Claims processing Service code 12 | — | $59K |
| HEALTHCARE BLUEBOOK EIN 46-4399706 MEDICAL ADMINISTRATION | Other services; Plan Administrator; Claims processing Service code 12 | — | $42K |
| CIGNA BEHAVIORAL HEALTH INC EIN 41-1648670 EAP ADMINISTRATION | Participant communication; Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $36K |
| TELEDOC EIN 04-3705970 MEDICAL ADMINISTRATION | Claims processing; Other services Service code 12 | — | $18K |
| ACS - A XEROX COMPANY EIN 36-4129784 MEDICAL ADMINISTRATION | Other services; Claims processing Service code 12 | — | $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 | 1,216 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 60 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 322 | $78K |
| Vision | VISION SERVICE PLAN | 951 | $121K |
| Life insurance | AETNA LIFE INSURANCE CO | 1,216 | $396K |
| Long-term disability | AETNA LIFE INSURANCE CO | 1,216 | $396K |
| Other(4 contracts, 3 carriers) | AETNA LIFE INSURANCE CO | 1,216 | $652K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,216 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.