| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIR STE 4500 HUNT VALLEY, MD 21031 | UNITED CONCORDIA INSURANCE COMPANY | $3K | $2K | $5K | 8.78% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIR STE 4500 HUNT VALLEY, MD 21031 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 13.13% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS CAPITAL | 10 NORTH PARK DRIVE STE 200 HUNT VALLEY, MD 21030 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $485 | $0 | $485 | 5.00% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIR STE 4500 HUNT VALLEY, MD 21031 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 15.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $15K |
| ASSURED PARTNERS (GA) BROKER | Insurance agents and brokers Service code 22 | 23452 HWY 80 E STATESBORO, GA 30461 | $10K |
| ASSURED PARTNERS (CENTRAL PA) EIN 30-0837157 BROKER | Insurance agents and brokers Service code 22 | — | $10K |
| CONNECTCARE3, LLC EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $4K |
| HIGHMARK BLUE SHIELD (CENTRAL) EIN 23-1294723 CARRIER | Claims processing Service code 12 | — | $4K |
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 | 90 | 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) | 90 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 67 | $52K |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 62 | $10K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 90 | $27K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 90 | $27K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 65 | $259K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 90 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 90 | — |
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.