| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | UNITED CONCORDIA INSURANCE COMPANY | $5K | — | $5K | 10.09% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $655 | $8K | 21.76% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $589 | $7K | 21.75% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $222 | $2K | 16.74% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | SHELTERPOINT INSURANCE COMPANY | $718 | — | $718 | 11.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LUMINARE HEALTH BENEFITS INC. EIN 35-1846036 MEDICAL TPA | Claims processing; Other services; Plan Administrator Service code 12 | — | $79K |
| AP BENEFIT ADVISORS LLC EIN 30-0837157 CONSULTING FEES | Insurance agents and brokers; Consulting (general); Contract Administrator; Claims processing Service code 12 | — | $37K |
| HIGHMARK INC. EIN 23-1294723 TPA | Claims processing; Other services Service code 12 | — | $21K |
| MULTIPLAN INC. EIN 13-3068979 TPA | Plan Administrator; Claims processing; Other services Service code 12 | — | $18K |
| BHS EAP FEES | Contract Administrator; Claims processing Service code 12 | 6225 SMITH AVE SUITE 203 BALTIMORE, MD 21209 | $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 | 257 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 93 | $51K |
| Vision | SHELTERPOINT INSURANCE COMPANY | 100 | $6K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 44 | $13K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 63 | $34K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 56 | $37K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 92 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 100 | — |
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.