| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR, STE 200 HUNT VALLEY, MD 21030 | HARTFORD LIFE AND ACCIDENT | $21K | $12K | $33K | 21.60% |
| JASON D ELLIS3 | 203 MARKET STREET STE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 20.30% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 5.44% |
| MICHAEL C WALKER3 | 203 MARKET STREET STE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $611 | — | $611 | 2.31% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET STE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $142 | — | $142 | 0.54% |
| WILLIAM J BOSTIC3 | 1892 HOPEWELL ROAD PORT DEPOSIT, MD 21904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $72 | — | $72 | 0.27% |
| LEILA RAPPAPORT3 | 501 SILVERSIDE RD STE 42 WILMINGTON, DE 19809 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | — | $30 | 0.11% |
| MICHAEL E RISKA3 | 203 MARKET STREET STE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | VISION SERVICE PLAN | $761 | — | $761 | 4.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INDEPENDENCE ADMINISTRATORS EIN 23-2184623 MEDICAL/RX ADMINISTRATOR | Claims processing Service code 12 | — | $129K |
| UNITED CONCORDIA COMPANIES, INC. EIN 25-1687586 DENTAL ADMINISTRATOR | Claims processing Service code 12 | — | $19K |
| AP BENEFIT ADVISORS, LLC EIN 30-0837157 COBRA/BENEFIT ADMIN | Contract Administrator Service code 13 | — | $12K |
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 | 242 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 16 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 148 | $15K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 242 | $153K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 242 | $153K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 242 | $153K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 242 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.