| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | HARTFORD LIFE AND ACCIDENT | $25K | — | $25K | 6.09% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $1K | $19K | 10.35% |
| AP BENEFIT ADVISORS, LLC3 | 772 LITITZ PIKE LITITZ, PA 17543 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $103 | $11K | 6.15% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 1416 SWEET HOME RD STE 6 AMHERST, NY 14228 | METROPOLITAN LIFE INSURANCE COMPANY | — | $806 | $806 | 0.43% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | VISION SERVICE PLAN | — | $33K | $33K | 18.00% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $748 | $10K | 6.39% |
| AP BENEFIT ADVISORS, LLC3 | 772 LITITZ PIKE LITITZ, PA 17543 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $72 | $10K | 6.07% |
| AP BENEFIT ADVISORS, LLC3 | 1416 SWEET HOME RD STE 6 AMHERST, NY 14228 | METROPOLITAN LIFE INSURANCE COMPANY | $72 | $591 | $663 | 0.42% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21030 | METLIFE LEGAL PLANS | $5K | $442 | $5K | 11.49% |
| AP BENEFIT ADVISORS, LLC3 | PO BOX 14946 GREENSBORO, NC 27415 | METLIFE LEGAL PLANS | — | $436 | $436 | 0.98% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | ZURICH AMERICAN INSURANCE COMPANY | $986 | — | $986 | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | $986 | $986 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MANAGER | Direct payment from the plan; Claims processing; Float revenue; Other fees Service code 12 | — | $2.0M |
| TRUSTMARK HEALTH BENEFITS, INC. EIN 35-1846036 HEALTH | Other services; Plan Administrator; Claims processing Service code 12 | — | $555K |
| AETNA - PPO EIN 06-6033492 HEALTH | Other services; Claims processing Service code 12 | — | $130K |
| CLEAR HEALTH STRATEGIES, LLC EIN 27-1374374 HEALTH | Other services; Plan Administrator; Claims processing Service code 12 | — | $40K |
| MULTIPLAN EIN 43-6004435 HEALTH | Other services; Plan Administrator; Claims processing Service code 12 | — | $38K |
| HEALTH FITNESS EIN 41-1580506 FITNESS | Claims processing Service code 12 | — | $35K |
| HEALTHCARE BLUEBOOK EIN 46-4399706 HEALTH | Claims processing; Plan Administrator; Other services Service code 12 | — | $28K |
| RIGHT RX CARE DBA US-RXCARE EIN 81-4177551 HEALTH | Claims processing; Other services Service code 12 | — | $20K |
| TELEDOC EIN 04-3705970 HEALTH | Claims processing; Other services Service code 12 | — | $20K |
| CAREBRIDGE CORPORATION EIN 23-2614764 EAP ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $17K |
| ELMC RX SOLUTIONS EIN 37-1853309 HEALTH | Claims processing; Other services Service code 12 | — | $8K |
| BENEFIT DATA SERVICES, LLC EIN 82-2108489 HEALTH | Claims processing; Other services Service code 12 | — | $6K |
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 | 1,317 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,227 | $671K |
| Vision | VISION SERVICE PLAN | 1,053 | $182K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,317 | $408K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,317 | $408K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO. | 1,065 | $484K |
| Other(5 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 1,317 | $804K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,227 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.