| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 21 E 5TH AVE STE 204 CONSHOHOCKEN, PA 19428 | UNUM INSURANCE COMPANY | $19K | — | $19K | 19.79% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 21 E 5TH AVE STE 204 CONSHOHOCKEN, PA 19428 | UNUM INSURANCE COMPANY | $13K | — | $13K | 19.89% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 21 E 5TH AVE STE 204 CONSHOHOCKEN, PA 19428 | UNUM INSURANCE COMPANY | $11K | — | $11K | 19.93% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 575 E SWEDESFORD RD #200 WAYNE, PA 19087 | METLIFE LEGAL PLANS | $4K | $123 | $5K | 10.31% |
| AP BENEFIT ADVISORS, LLC3 | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | METLIFE LEGAL PLANS | — | $186 | $186 | 0.42% |
| AP BENEFIT ADVISORS, LLC3 | 718 RIVER RD FAIR HAVEN, NJ 07704 | METLIFE LEGAL PLANS | — | $4 | $4 | 0.01% |
| AP BENEFIT ADVISORS, LLC3 | 21 E 5TH AVE STE 204 CONSHOHOCKEN, PA 19428 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11 | — | $11 | 5.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INDEPENDENCE BLUE CROSS EIN 23-2184623 MEDICAL/RX ADMIN FEES | Claims processing; Contract Administrator Service code 12 | — | $1.5M |
| WELLWORKS EIN 26-3082277 CONTRACT ADMIN | Claims processing; Contract Administrator Service code 12 | — | $363K |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 RX BENEFITS | Claims processing; Contract Administrator Service code 12 | — | $254K |
| TALKSPACE NETWORKS LLC TELEHEALTH ADMIN | Claims processing Service code 12 | 33 W 60TH STREET 8TH FLOOR NEW YORK, NY 10023 | $138K |
| UNUM EIN 01-0278678 STD ASO | Contract Administrator; Claims processing Service code 12 | — | $118K |
| DELTA DENTAL OF PENNSYLVANIA EIN 23-1667011 DENTAL ADMIN | Claims processing; Contract Administrator Service code 12 | — | $106K |
| REVIVEHEALTH EIN 86-1279290 TELEMEDICINE SERVICES | Claims processing Service code 12 | — | $89K |
| CAREBRIDGE CORPORATION EIN 23-2614764 EAP ADMIN | Claims processing; Contract Administrator Service code 12 | — | $47K |
| WEX INC. COBRA/FSA FEES | Claims processing; Contract Administrator Service code 12 | 700 26TH AVE E WEST FARGO, ND 58078 | $36K |
| HEALTH ADVOCATE SOLUTIONS, INC. EIN 23-3080019 NONE | Claims processing Service code 12 | — | $35K |
| VISION BENEFITS OF AMERICA EIN 25-1149206 VISION ADMIN FEES | 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 | 2,590 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 64 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,667 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,590 | $1.8M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,590 | $1.8M |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,590 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,590 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.