| 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 | $16K | — | $16K | 18.46% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 21 E 5TH AVE STE 204 CONSHOHOCKEN, PA 19428 | UNUM INSURANCE COMPANY | $12K | — | $12K | 18.45% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 21 E 5TH AVE STE 204 CONSHOHOCKEN, PA 19428 | UNUM INSURANCE COMPANY | $10K | — | $10K | 18.45% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 575 E SWEDESFORD RD #200 WAYNE, PA 19087 | METLIFE LEGAL PLANS | $4K | $354 | $5K | 10.86% |
| AP BENEFIT ADVISORS, LLC3 | 2300 RENAISSANCE BLVD #220 KING OF PRUSSIA, PA 19406 | METLIFE LEGAL PLANS | — | $36 | $36 | 0.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELLWORKS EIN 26-3082277 CONTRACT ADMIN | Claims processing; Contract Administrator Service code 12 | — | $404K |
| EXPRESS SCRIPTS, INC. EIN 22-3461740 RX BENEFITS | Claims processing; Contract Administrator Service code 12 | — | $195K |
| TALKSPACE NETWORKS LLC NONE | Claims processing Service code 12 | 33 W 60TH STREET 8TH FLOOR NEW YORK, NY 10023 | $132K |
| UNUM EIN 01-0278678 STD ASO | Contract Administrator; Claims processing Service code 12 | — | $111K |
| DELTA DENTAL OF PENNSYLVANIA EIN 23-1667011 DENTAL ADMIN | Contract Administrator; Claims processing Service code 12 | — | $98K |
| TELEMEDICINE MANAGEMENT, SWIFTMD EIN 26-1306606 NONE | Other services; Other fees Service code 49 | — | $73K |
| CAREBRIDGE CORPORATION EIN 23-2614764 EAP ADMIN | Contract Administrator; Claims processing Service code 12 | — | $44K |
| WEST HEALTH ADVOCATE SOLUTIONS INC. EIN 23-3080019 NONE | Claims processing Service code 12 | — | $36K |
| WEX INC. COBRA FEES | Contract Administrator; Claims processing Service code 12 | 700 26TH AVE E WEST FARGO, ND 58078 | $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 | 2,420 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,436 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 2,150 | $19.5M |
| Vision | VISION BENEFITS OF AMERICA | 2,184 | $172K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,420 | $1.8M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,420 | $1.8M |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,420 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,420 | — |
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.