| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 10 N PARK DR SUITE 200 HUNT VALLEY, MD 21030 | HARTFORD LIFE AND ACCIDENT | $93K | $10K | $103K | 11.67% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | ARAG INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | $1K | $1K | 20.01% |
| AP BENEFIT ADVISORS, LLC3 | 10 N PARK DR SUITE 200 HUNT VALLEY, MD 21031 | ZURICH AMERICAN INSURANCE COMPANY | $898 | — | $898 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LUMINARE HEALTH BENEFITS EIN 35-1846036 HEALTH | Plan Administrator; Claims processing; Other services Service code 12 | — | $507K |
| AETNA EIN 06-6033492 HEALTH | Claims processing; Other services; Plan Administrator Service code 12 | — | $201K |
| MAGELLAN RX MANAGEMENT EIN 46-3708039 RX BENEFIT MANAGER | Other fees; Claims processing; Direct payment from the plan Service code 12 | — | $155K |
| DELTA DENTAL OF PENNSYLVANIA EIN 23-1667011 DENTAL ADMIN FEES | Contract Administrator; Claims processing Service code 12 | — | $67K |
| VISION SERVICE PLAN EIN 06-1227840 VISION ADMIN FEES | Claims processing; Contract Administrator Service code 12 | — | $29K |
| MULTIPLAN EIN 43-6004435 HEALTH | Claims processing; Other services; Plan Administrator Service code 12 | — | $26K |
| TELEDOC EIN 04-3705970 HEALTH | Other services; Claims processing Service code 12 | — | $21K |
| HEALTHCARE BLUEBOOK EIN 46-4399706 HEALTH | Claims processing; Plan Administrator; Other services Service code 12 | — | $19K |
| CAREBRIDGE CORPORATION EIN 23-2614764 EAP ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $18K |
| PRIME THERAPEUTICS MANAGEMENT LLC EIN 46-3708039 RX MANAGEMENT | Other services; Claims processing Service code 12 | — | $3K |
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 | 1,382 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 51 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,438 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 969 | $180K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,382 | $885K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,382 | $885K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,382 | $931K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,382 | — |
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.