| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | UNITED HEALTHCARE INSURANCE COMPANY | $45K | — | $45K | 4.04% |
| AMERICAN UNITED LIFE3 | ONE AMERICA SQUARE PO BOX 368 INDIANAPOLIS, IN 46206 | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | — | $3K | 5.05% |
| TRACEY E HARMON3 | 1736 GORDON AVE WINDSOR MILL, MD 21244 | AFLAC | $1K | $0 | $1K | 7.59% |
| PAUL THAYER3 | 6 OVERSHOT CT PHOENIX, MD 21131 | AFLAC | $498 | — | $498 | 2.88% |
| BRYAN FISH3 | 4050 CANDLE LIGHT DR DAYTON, MD 21036 | AFLAC | $381 | — | $381 | 2.21% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DR STE 200 COCKEYSVILLE, MD 21030 | AFLAC | $313 | — | $313 | 1.81% |
| JEAN CLAUDE FRESNEL JR3 | 700 12TH ST NW STE 700 WASHINGTON, DC 20005 | AFLAC | $211 | — | $211 | 1.22% |
| SUSAN MCDANIEL3 | 7501 TRAFALGAR CIR APT D221 HANOVER, MD 21076 | AFLAC | $44 | — | $44 | 0.25% |
| AON CONSULTING INC3 Filed as: STEPHANIE ANN LAMBERT | 37 HIGH ST GUILFORD, ME 04443 | AFLAC | $15 | — | $15 | 0.09% |
| KIMBERLY L LUSHBAUGH3 | 14 CATAWBA CIR HAGERSTOWN, MD 21742 | AFLAC | $8 | — | $8 | 0.05% |
| ARON D TERAN3 | 3812 CARRIAGE HILL DR FREDERICK, MD 21704 | AFLAC | $4 | — | $4 | 0.02% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS CAPITAL INC DBA AP | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | NGL | $825 | — | $825 | 8.31% |
| ASSOCIATED FUIG LLC3 | 113 S CENTRE STREET CUMBERLAND, MD 21502 | NGL | $168 | — | $168 | 1.69% |
No Schedule C service providers reported on this filing.
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 | 104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 245 | $1.1M |
| Vision | NGL | 85 | $10K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 118 | $57K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 118 | $57K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 118 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.