| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE, STE. 200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $36K | $16K | $52K | 21.22% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $27K | $5K | $31K | 13.14% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS | 15400 28TH AVENUE NORTH SUITE 200 PLYMOUTH, MN 55447 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 5.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE, STE. 200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | $8K | $28K | 21.14% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND DBA PSA | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 4.79% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 10 NORTH PARK DRIVE, STE. 200 HUNT VALLEY, MD 21030 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $879 | — | $879 | 1.44% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE, STE. 200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $3K | $7K | 17.80% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE, STE. 200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $835 | $3K | 23.34% |
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 | 679 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 680 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | JANUS ASSOCIATES, INC. DBA BHS | 295 | $4K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 349 | $239K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 321 | $61K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 679 | $53K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 474 | $244K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 446 | $133K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 679 | $292K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 679 | — |
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.