| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | — | $254K | $254K | 5.38% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 575 E SWEDESFORD RD SUITE 200 WAYNE, PA 190871613 | METROPOLITAN LIFE INSURANCE COMPANY | $53K | $20K | $72K | 21.77% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR STE 200 HUNT VALLEY, MD 21030 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $39K | $22K | $61K | 23.66% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR STE 200 HUNT VALLEY, MD 21030 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | $11K | $32K | 24.95% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR STE 200 HUNT VALLEY, MD 21030 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $6K | $24K | 19.93% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 211529484 | VISION SERVICE PLAN | $2K | — | $2K | 5.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 210301827 | VISION SERVICE PLAN | $2K | — | $2K | 3.81% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 575 E SWEDESFORD RD SUITE 200 WAYNE, PA 190871613 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $2K | $8K | 25.31% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 575 E SWEDESFORD RD SUITE 200 WAYNE, PA 190871613 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $2K | $4K | 14.55% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR STE 200 HUNT VALLEY, MD 21030 | METLIFE LEGAL PLANS | $2K | $185 | $3K | 12.18% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR STE 200 HUNT VALLEY, MD 21030 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $702 | $702 | 5.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM EIN 47-0858530 FSA VENDOR | Claims processing; Contract Administrator Service code 12 | — | $13K |
| JANUS ASSOCIATES, INC. DBA BHS EIN 52-1306404 EAP ADMIN FEES | Contract Administrator; Claims processing Service code 12 | — | $7K |
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 | 416 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 429 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 384 | $4.7M |
| Dental(2 contracts, 2 carriers) | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 797 | $5.1M |
| Vision | VISION SERVICE PLAN | 362 | $48K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 416 | $257K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 416 | $127K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 416 | $119K |
| Prescription drug | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 384 | $4.7M |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 423 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 797 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.