| 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 | $88K | $16K | $104K | 13.75% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | DELTA DENTAL OF PENNSYLVANIA | $49K | — | $49K | 7.00% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | ARAG INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| 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% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $1K | $17K | 3263.93% |
| AP BENEFIT ADVISORS, LLC3 | 772 LITITZ PIKE LITITZ, PA 17543 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $16 | $11K | 2062.24% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 1416 SWEET HOME RD STE 6 AMHERST, NY 14228 | METROPOLITAN LIFE INSURANCE COMPANY | — | $939 | $939 | 175.51% |
| AP BENEFIT ADVISORS, LLC3 | 772 LITITZ PIKE LITITZ, PA 17543 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $16 | $9K | — |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $1K | $7K | — |
| AP BENEFIT ADVISORS, LLC3 | 1416 SWEET HOME RD STE 6 AMHERST, NY 14228 | METROPOLITAN LIFE INSURANCE COMPANY | — | $777 | $777 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MANAGER | Claims processing; Direct payment from the plan; Float revenue; Other fees Service code 12 | — | $2.3M |
| TRUSTMARK HEALTH BENEFITS, INC. EIN 35-1846036 HEALTH | Plan Administrator; Claims processing; Other services Service code 12 | — | $513K |
| AETNA - PPO EIN 06-6033492 HEALTH | Other services; Claims processing Service code 12 | — | $159K |
| AP BENEFIT ADVISORS, LLC EIN 30-0837157 BROKER ADMIN | Contract Administrator; Claims processing Service code 12 | — | $153K |
| VISION SERVICE PLAN EIN 06-1227840 VISION ADMIN FEES | Contract Administrator; Claims processing Service code 12 | — | $34K |
| ELMC RX SOLUTIONS EIN 37-1853309 HEALTH | Claims processing; Other services Service code 12 | — | $26K |
| HEALTHCARE BLUEBOOK EIN 46-4399706 HEALTH | Plan Administrator; Other services; Claims processing Service code 12 | — | $24K |
| MULTIPLAN EIN 43-6004435 HEALTH | Claims processing; Other services; Plan Administrator Service code 12 | — | $23K |
| TELEDOC EIN 04-3705970 HEALTH | Other services; Claims processing Service code 12 | — | $20K |
| CAREBRIDGE CORPORATION EIN 23-2614764 EAP ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $17K |
| ACS - A XEROX COMPANY EIN 36-4129784 HEALTH | Other services; Claims processing Service code 12 | — | $9K |
| CLEAR HEALTH STRATEGIES, LLC EIN 27-1374374 HEALTH | Claims processing; Plan Administrator; Other services Service code 12 | — | $7K |
| BENEFIT DATA SERVICES, LLC EIN 82-2108489 HEALTH | Other services; Claims processing 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 | 1,249 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 68 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 1,035 | $702K |
| Vision | VISION SERVICE PLAN | 952 | $191K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,249 | $757K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,249 | $757K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO. | 1,032 | $563K |
| Other(5 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 1,249 | $809K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,249 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.