| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC GROUP BENEFITS LLC3 | 6901 ROCKLEDGE DRIVE BETHESDA, MD 20817 | AETNA LIFE INSURANCE COMPANY | $7K | — | $7K | 0.36% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 0.09% |
| STRATEGIC GROUP BENEFITS LLC3 | 6901 ROCKLEDGE DR STE 700 BETHESDA, MD 20817 | UNITED HEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 14.67% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE MD | 12404 PARK CENTRRAL DR SUITE 400S DALLAS, TX 75251 | UNITED HEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 6.51% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIRCLE STE 4500 HUNT VALLEY, MD 21030 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 4.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STRATEGIC GROUP BENEFITS LLC BROKER | Claims processing; Contract Administrator Service code 12 | 6901 ROCKLEDGE DRIVE BETHESDA, MD 20817 | $77K |
| AP BENEFIT ADVISORS LLC BROKER | Contract Administrator; Claims processing Service code 12 | 10 N PARK DR #200 HUNT VALLEY, MD 21031 | $38K |
| BENEFIT ADMINISTRATION TECHNOLOGIES EIN 82-4281355 ADMIN | Contract Administrator; Claims processing Service code 12 | — | $18K |
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 | 412 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 490 | $2.7M |
| Dental | AETNA LIFE INSURANCE COMPANY | 490 | $1.9M |
| Vision | AETNA LIFE INSURANCE COMPANY | 490 | $1.9M |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 412 | $104K |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 412 | $104K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 412 | $104K |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 412 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 490 | — |
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."
No prospect flags tripped on this filing.