| 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 | $26K | $5K | $31K | 17.98% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | VISION SERVICE PLAN | $980 | — | $980 | 5.40% |
| JASON D ELLIS3 | 203 MARKET STREET STE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 67.74% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 22.57% |
| MICHAEL C WALKER3 | 203 MARKET STREET STE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $726 | — | $726 | 7.48% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET STE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $109 | — | $109 | 1.12% |
| WILLIAM J BOSTIC3 | 1892 HOPEWELL ROAD PORT DEPOSIT, MD 21904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $72 | — | $72 | 0.74% |
| LEILA RAPPAPORT3 | 501 SILVERSIDE RD STE 42 WILMINGTON, DE 19809 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | — | $30 | 0.31% |
| MICHAEL E RISKA3 | 203 MARKET STREET STE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INDEPENDENCE ADMINISTRATORS EIN 23-2184623 MEDICAL/RX ADMINISTRATOR | Claims processing Service code 12 | — | $132K |
| UNITED CONCORDIA COMPANIES, INC. EIN 25-1687586 DENTAL ADMINISTRATOR | Claims processing Service code 12 | — | $21K |
| AP BENEFIT ADVISORS, LLC EIN 30-0837157 COBRA/BENEFIT ADMIN | Contract Administrator Service code 13 | — | $13K |
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 | 250 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 162 | $18K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 250 | $173K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 250 | $173K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 250 | $173K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 250 | $182K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.