| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $172K | $172K | 5.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 2355 CRENSHAW BLVD, STE 200 TORRANCE, CA 90501 | KAISER FOUNDATION HEALTH PLAN, INC | — | $445 | $445 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 2355 CRENSHAW BLVD, STE 200 TORRANCE, CA 90501 | KAISER FOUNDATION HEALTH PLAN, INC | — | $356 | $356 | 0.02% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS | 2305 RIVER RD LOUISVILLE, KY 40206 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $65K | $70K | 5.36% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | RELIASTAR LIFE INSURANCE COMPANY | $284K | $33K | $316K | 38.90% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL LLC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | MUTUAL OF OMAHA INSURANCE COMPANY | $4K | $5K | $9K | 13.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $3.1M |
| WAMBERG GENOMIC ADVISORS, INC. EIN 84-1425278 CANCER GAURDIAN | Contract Administrator; Claims processing Service code 12 | — | $126K |
| CYBERSCOUT, LLC EIN 16-1684199 IDENTITY THEFT PROTECTION | Claims processing Service code 12 | — | $119K |
| SONTIQ, INC. EIN 26-4822613 IDENTITY THEFT PROTECTION | Claims processing Service code 12 | — | $119K |
| UNITED OF OMAHA LIFE INSURANCE CO EIN 47-0322111 STD ADMINISTRATION | Claims processing Service code 12 | — | $98K |
| AP BENEFIT ADVISORS, LLC EIN 30-0837157 MEDICAL BROKER | Other commissions Service code 55 | — | $0 |
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 | 6,597 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 144 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 122 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,863 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC | 389 | $5.4M |
| Dental | DELTA DENTAL OF KENTUCKY | 4,754 | $3.5M |
| Vision | VISION SERVICE PLAN | 4,181 | $514K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,597 | $3.1M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 6,458 | $1.3M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 6,458 | $1.3M |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,597 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,597 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.