| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR #200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $38K | $38K | 8.25% |
| AP BENEFIT ADVISORS, LLC3 | 772 LITITZ PIKE LITITZ, PA 17543 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | — | $23K | 5.00% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR #200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $34K | $34K | 8.29% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 772 LITITZ PIKE LITITZ, PA 17543 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | — | $21K | 5.00% |
| AP BENEFIT ADVISORS, LLC3 | 772 LITITZ PIKE LITITZ, PA 17543 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | — | $22K | 15.00% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR #200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $12K | $12K | 7.92% |
| AP BENEFIT ADVISORS, LLC3 | 772 LITITZ PIKE LITITZ, PA 17543 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | — | $27K | 20.00% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR #200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $19K | $19K | 14.42% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.10% |
| AP BENEFIT ADVISORS, LLC3 | 772 LITITZ PIKE LITITZ, PA 17543 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | — | $16K | 20.00% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR #200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $12K | $12K | 15.17% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $938 | $938 | 1.17% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR #200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 9.32% |
| AP BENEFIT ADVISORS, LLC3 | 772 LITITZ PIKE LITITZ, PA 17543 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $898 | — | $898 | 6.01% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AO BENEFIT ADVISORS, LLC | 772 LITITZ PIKE LITITZ, PA 17543 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $82K | — | $82K | — |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR #200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $43K | $43K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 FSA ADMIN | Claims processing; Contract Administrator Service code 12 | — | $1.3M |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 RX ADMIN | Contract Administrator; Claims processing Service code 12 | — | $289K |
| AP BENEFIT ADVISORS, LLC EIN 30-0837157 COBRA/FSA ADMIN | Claims processing; Contract Administrator Service code 12 | — | $207K |
| UNITED CONCORDIA EIN 25-1687586 DEN ADMIN | Contract Administrator; Claims processing Service code 12 | — | $163K |
| BDO USA, LLC EIN 13-5381590 AUDITOR/ACCOUNTANT | Accounting (including auditing) Service code 10 | — | $36K |
| CAREBRIDGE CORPORATION EIN 23-2614764 EAP | Contract Administrator; Claims processing Service code 12 | — | $27K |
| CONRAD M SIEGEL, INC. EIN 23-1669823 ACTUARIAL SERVICES | Claims processing; Contract Administrator Service code 12 | — | $14K |
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 | 3,140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 43 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 140 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 3,450 | $232K |
| Vision | HM LIFE INSURANCE COMPANY | 2,432 | $282K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,140 | $456K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 400 | $146K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,283 | $415K |
| Other(5 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,140 | $683K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,450 | — |
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.