| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 10 N PARK DRIVE STE 200 COCKEYSVILLE, MD 21030 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $42K | $44K | 2.09% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE ONE BENEFIT SOLUTIONS LLC | 145 W OSTEND ST STE 200 BALTIMORE, MD 21230 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $41K | $41K | 1.98% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $24K | $28K | 1.35% |
| AP BENEFIT ADVISOR3 | 145 W. OSTEND ST. 2ND FLOOR STE 200 BALTIMORE, MD 21230 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $10K | $0 | $10K | 2.11% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $8K | $0 | $8K | 1.57% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN REGION CA | $1K | $0 | $1K | 2.95% |
| AP BENEFIT ADVISORS, LLC3 | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | KAISER FOUNDATION HEALTH PLAN REGION CA | $454 | $0 | $454 | 1.13% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE ONE BENEFIT SOLUTIONS | 145 W OSTEND ST SUITE 200 BALTIMIORE, MD 21230 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | $2K | $0 | $2K | 5.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | $1K | $0 | $1K | 3.35% |
| AP BENEFIT ADVISORS, LLC3 | 10 N PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | VISION SERVICE PLAN | $995 | $0 | $995 | 2.75% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN INC | $760 | $0 | $760 | 2.84% |
| AP BENEFIT ADVISORS, LLC3 | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | KAISER FOUNDATION HEALTH PLAN INC | $241 | $0 | $241 | 0.90% |
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 | 594 | 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) | 594 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 479 | $2.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 479 | $2.1M |
| Vision | VISION SERVICE PLAN | 256 | $36K |
| Life insurance | KAISER FOUNDATION HEALTH PLAN REGION CA | 2 | $40K |
| Short-term disability | KAISER FOUNDATION HEALTH PLAN REGION CA | 2 | $40K |
| Prescription drug(4 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 479 | $2.6M |
| Other | KAISER FOUNDATION HEALTH PLAN REGION CA | 2 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 479 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.