| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | CAREFIRST BLUECHOICE | $91K | $50K | $141K | 4.83% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE ONE BENEFIT SOLUTIONS LLC | 921 E. FORT AVE STE 325 BALTIMORE, MD 21230 | CAREFIRST BLUECHOICE | $18K | — | $18K | 0.60% |
| ALAN J ZUCCARI INC5 | 4100 MONUMENT CORNER DRIVE, STE 500 FAIRFAX, VA 22030 | CAREFIRST BLUECHOICE | — | $16K | $16K | 0.55% |
| EVOLVE CONSULTING GROUP INC3 | 2142 PRIEST BRIDGE CT SUITE 3 CROFTON, MD 21114 | CAREFIRST BLUECHOICE | $7K | — | $7K | 0.22% |
| AP BENEFIT ADVISORS, LLC3 | 2138 ESPEY COURT SUITE 2 CROFTON, MD 21114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | $11K | $33K | 7.53% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 | 145 W. OSTEND ST. 2ND FLOOR BALTIMORE, MD 21230 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 1.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TASC EIN 39-1561025 FSA ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $13K |
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 | 381 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 384 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 365 | $2.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 381 | $438K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 381 | $438K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 381 | $438K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 381 | $438K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 381 | $438K |
| Prescription drug | CAREFIRST BLUECHOICE | 365 | $2.9M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 381 | $438K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 381 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.