| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE SUITE 200 COCKEYSVILLE, MD 21030 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $33K | — | $33K | 1.71% |
| AP BENEFIT ADVISORS, LLC3 | 15200 OMEGA DRIVE STE 100 ROCKVILLE, MD 20850 | GUARDIAN | $8K | $2K | $10K | 5.53% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 9600 BLACKWELL ROAD STE 225 ROCKVILLE, MD 20850 | DEARBORN LIFE INSURANCE COMPANY | $11K | $2K | $13K | 10.13% |
| NATIONAL CAPITAL INSURANCE AGENCY3 | 10455 MILLS RUN CIRCLE OWINGS MILLS, MD 21117 | DEARBORN LIFE INSURANCE COMPANY | — | $4K | $4K | 3.40% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 9600 BLACKWELL ROAD STE 225 ROCKVILLE, MD 20850 | DEARBORN LIFE INSURANCE COMPANY | $7K | $792 | $8K | 22.31% |
| NATIONAL CAPITAL INSURANCE AGENCY3 | 10455 MILL RUN CIRCLE OWINGS MILLS, MD 21117 | DEARBORN LIFE INSURANCE COMPANY | — | $3K | $3K | 9.99% |
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 | 148 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 133 | $1.9M |
| Dental | GUARDIAN | 148 | $185K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 133 | $1.9M |
| Life insurance | GUARDIAN | 148 | $185K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 142 | $125K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 142 | $125K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 148 | $219K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.