| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 772 LITITZ PIKE LITITZ, PA 17543 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $318K | $318K | 10.00% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR STE 200 HUNT VALLEY, MD 21030 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $50K | $50K | 1.57% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR STE 200 HUNT VALLEY, MD 21030 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $25K | $25K | 2.09% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR STE 200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $22K | $22K | 5.45% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR STE 200 HUNT VALLEY, MD 21030 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $12K | $12K | 5.47% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR STE 200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $10K | $10K | 5.57% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR STE 200 HUNT VALLEY, MD 21030 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAPITAL ADVANTAGE ASSURANCE COMPANY EIN 45-5492167 CONTRACT ADMIN | Contract Administrator; Claims processing Service code 12 | — | $5.9M |
| EYEMED EIN 43-0949844 VISION ADMIN | Contract Administrator; Claims processing Service code 12 | — | $930K |
| DELTA DENTAL OF PENNSYLVANIA EIN 23-1667011 DENTAL ADMIN | Claims processing; Contract Administrator Service code 12 | — | $380K |
| LINCOLN NATIONAL LIFE INSURANCE CO EIN 35-0472300 STD ASO FEES | Claims processing; Contract Administrator Service code 12 | — | $211K |
| WEX HEALTH, INC. EIN 06-1593514 FSA ADMIN FEES | Claims processing Service code 12 | — | $65K |
| AP BENEFIT ADVISORS, LLC EIN 30-0837157 STD ASO BROKER FEES | Insurance brokerage commissions and fees Service code 53 | — | $6K |
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 | 12,450 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 76 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 344 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,870 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 623 | $5.7M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 12,450 | $3.2M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 143 | $41K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 12,450 | $1.2M |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 12,450 | $816K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,450 | — |
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.