| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 21 E 5TH AVE STE 204 CONSHOHOCKEN, PA 19428 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $40K | — | $40K | 20.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NE | 100 MASTONFORD ROAD STE 200 BLDG 5 RADNOR, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $431 | — | $431 | 0.21% |
| AP BENEFIT ADVISORS, LLC3 | 21 EAST FIFTH AVENUE STE 204 CONSHOHOCKEN, PA 19248 | METLIFE LEGAL PLANS | $4K | — | $4K | 10.09% |
| AP BENEFIT ADVISORS, LLC3 | PO BOX 14946 GREENSBORO, NC 27415 | METLIFE LEGAL PLANS | — | $427 | $427 | 1.12% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE #4500 HUNT VALLEY, MD 21031 | METLIFE LEGAL PLANS | — | $17 | $17 | 0.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXPRESS SCRIPTS, INC EIN 22-3461740 RX ADMIN | Contract Administrator; Claims processing Service code 12 | — | $190K |
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 ADMIN, STD SELF-INSURED | Contract Administrator; Claims processing Service code 12 | — | $98K |
| DELTA DENTAL OF PENNSYLVANIA EIN 23-1667011 DENTAL ADMIN | Contract Administrator; Claims processing Service code 12 | — | $83K |
| TALKSPACE NETWORKS LLC NONE | Claims processing Service code 12 | 33 W 60TH STREET 8TH FLOOR NEW YORK, NY 10023 | $83K |
| TELEMEDICINE MANAGEMENT, SWIFTMD EIN 26-1306606 NONE | Other services; Other fees Service code 49 | — | $74K |
| CAREBRIDGE CORPORATION EIN 23-2614764 EAP ADMIN | Contract Administrator; Claims processing Service code 12 | — | $31K |
| WEST HEALTH ADVOCATE SOLUTIONS INC. EIN 23-3080019 NONE | Claims processing Service code 12 | — | $30K |
| IDENTITY REHAB CORP DBA ID WATCHDOG EIN 20-3931142 IDENTITY THEFT | Claims processing; Contract Administrator Service code 12 | — | $27K |
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 | 1,902 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,915 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 1,902 | $18.4M |
| Vision | VISION BENEFITS OF AMERICA | 1,882 | $177K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,912 | $1.3M |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,912 | $1.4M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,912 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,912 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.