| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC_WHL | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | — | $178K | $178K | 5.18% |
| ASSUREDPARTNERS5 Filed as: AP BENEFIT ADVISORS LLC_WHL | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | — | $25K | $25K | 0.71% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 210341827 | PRINCIPAL LIFE INSURANCE COMPANY | $40K | $22K | $62K | 14.97% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE SUITE 200 COCKEYSVILLE, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $404 | $2K | 0.70% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE STE 200 HUNT VALLEY, MD 210301827 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $9K | $35K | 14.95% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCAITES INSURANCE GROUP | 1 KELLY WAY SPARKS, MD 211529484 | VISION SERVICE PLAN | $2K | — | $2K | 5.02% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 210301827 | VISION SERVICE PLAN | $2K | — | $2K | 4.21% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE STE 200 HUNT VALLEY, MD 210301827 | METROPOLITAN LIFE INSURANCE COMPANY | $717 | $465 | $1K | 5.84% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | METLIFE LEGAL PLANS | $1K | — | $1K | 9.08% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUTIE 200 HUNT VALLEY, MD 21030 | METLIFE LEGAL PLANS | $101 | — | $101 | 0.66% |
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 | 682 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 684 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 304 | $3.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 682 | $236K |
| Vision | VISION SERVICE PLAN | 264 | $38K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 351 | $414K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 351 | $414K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 351 | $414K |
| Prescription drug | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 304 | $3.4M |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 169 | $314K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 682 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.