| 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 | $96K | $35K | $130K | 14.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LUMINARE HEALTH BENEFITS EIN 35-1846036 HEALTH | Claims processing; Plan Administrator; Other services Service code 12 | — | $531K |
| AETNA EIN 06-6033492 HEALTH | Plan Administrator; Other services; Claims processing Service code 12 | — | $213K |
| DELTA DENTAL OF PENNSYLVANIA EIN 23-1667011 DENTAL ADMIN FEES | Claims processing; Contract Administrator Service code 12 | — | $75K |
| VISION SERVICE PLAN EIN 06-1227840 VISION ADMIN FEES | Claims processing; Contract Administrator Service code 12 | — | $29K |
| TELEDOC EIN 04-3705970 HEALTH | Claims processing; Other services Service code 12 | — | $21K |
| HEALTHCARE BLUEBOOK EIN 46-4399706 HEALTH | Plan Administrator; Claims processing; Other services Service code 12 | — | $21K |
| CHANGE HEALTHCARE EIN 20-5716594 HEALTH | Other services; Claims processing Service code 12 | — | $19K |
| MULTIPLAN EIN 43-6004435 HEALTH | Plan Administrator; Claims processing; Other services Service code 12 | — | $14K |
| PRIME THERAPEUTICS MANAGEMENT LLC EIN 46-3708039 RX MANAGEMENT | Claims processing; Direct payment from the plan; Other fees 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 | 1,437 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 51 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,492 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 1,121 | $570K |
| Vision | VISION SERVICE PLAN | 1,017 | $180K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,437 | $905K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,437 | $905K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,651 | $929K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,651 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.