| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR SUITE 200 HUNT VALLEY, MD 21030 | DDMN ASO, LLC | $10K | — | $10K | 1.73% |
| AZURANCE GROUP3 Filed as: AZURANCE GROUP INC. | 4510 13TH AVE S, FARGO, ND 58121 | DDMN ASO, LLC | $1K | — | $1K | 0.20% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21030 | RELIASTAR LIFE INSURANCE COMPANY | $136K | $17K | $153K | 33.71% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21030 | VISION SERVICE PLAN | $6K | — | $6K | 4.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RELIASTAR LIFE INSURANCE COMPANY EIN 41-0451140 EXCESS RISK PROVIDER | Claims processing; Contract Administrator Service code 12 | — | $1.2M |
| DDMN ASO, LLC EIN 41-1905554 DENTAL ADMIN | Contract Administrator; Claims processing Service code 12 | — | $609K |
| AP BENEFIT ADVISORS LLC EIN 30-0837157 BROKER | Contract Administrator; Claims processing Service code 12 | 10 NORTH PARK DR #200 HUNT VALLEY, MD 21030 | $244K |
| UMR INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing; Contract Administrator Service code 12 | — | $161K |
| UMR, INC. STOP LOSS ADMIN | Claims processing; Contract Administrator Service code 12 | 11 SCOTT ST STE 100 WAUSAU, WI 54403 | $38K |
| VITAL WORK LIFE EIN 41-1456089 TPA | Contract Administrator; Claims processing Service code 12 | — | $28K |
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 | 1,775 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 286 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,079 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DDMN ASO, LLC | 642 | $574K |
| Vision | VISION SERVICE PLAN | 946 | $128K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,775 | $453K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,775 | $453K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 1,775 | $453K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,775 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.