| 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 | $86K | $33K | $119K | 14.75% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | DELTA DENTAL OF PENNSYLVANIA | $31K | — | $31K | 4.75% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | ARAG INSURANCE COMPANY | $4K | — | $4K | 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% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LUMINARE HEALTH BENEFITS EIN 35-1846036 HEALTH | Claims processing; Other services; Plan Administrator Service code 12 | — | $479K |
| AETNA - PPO EIN 06-6033492 HEALTH | Claims processing; Other services Service code 12 | — | $191K |
| VISION SERVICE PLAN EIN 06-1227840 VISION ADMIN FEES | Contract Administrator; Claims processing Service code 12 | — | $32K |
| TELEDOC EIN 04-3705970 HEALTH | Other services; Claims processing Service code 12 | — | $19K |
| CAREBRIDGE CORPORATION EIN 23-2614764 EAP ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $17K |
| HEALTHCARE BLUEBOOK EIN 46-4399706 HEALTH | Plan Administrator; Claims processing; Other services Service code 12 | — | $17K |
| MAGELLAN RX MANAGEMENT EIN 46-3708039 RX BENEFIT MANAGER | Direct payment from the plan; Other fees; Claims processing Service code 12 | — | $15K |
| MULTIPLAN EIN 43-6004435 HEALTH | Plan Administrator; Other services; Claims processing Service code 12 | — | $15K |
| CHANGE HEALTHCARE EIN 20-5716494 HEALTH | Other services; Claims processing Service code 12 | — | $10K |
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 | 1,335 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 64 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,403 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 1,042 | $647K |
| Vision | VISION SERVICE PLAN | 983 | $180K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,335 | $806K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,335 | $806K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,335 | $853K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,335 | — |
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.