| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $214K | $214K | 5.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 2355 CRENSHAW BLVD, STE 200 TORRANCE, CA 90501 | KAISER FOUNDATION HEALTH PLAN, INC | — | $2K | $2K | 0.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 2355 CRENSHAW BLVD, STE 200 TORRANCE, CA 90501 | KAISER FOUNDATION HEALTH PLAN, INC | — | $1K | $1K | 0.06% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS | 2305 RIVER RD LOUISVILLE, KY 40206 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $106K | $21K | $127K | 8.12% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | RELIASTAR LIFE INSURANCE COMPANY | $284K | $39K | $323K | 33.48% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL LLC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | MUTUAL OF OMAHA INSURANCE COMPANY | $5K | $11K | $16K | 11.61% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $3.5M |
| AP BENEFIT ADVISORS, LLC EIN 30-0837157 MEDICAL BROKER | Other commissions Service code 55 | — | $220K |
| GENOMIC LIFE EIN 82-1425278 CANCER GAURDIAN | Contract Administrator; Claims processing Service code 12 | — | $159K |
| SONTIQ, INC. EIN 26-4822613 IDENTITY THEFT PROTECTION | Claims processing Service code 12 | — | $124K |
| UNITED OF OMAHA LIFE INSURANCE CO EIN 47-0322111 STD ADMINISTRATION | Claims processing Service code 12 | — | $119K |
| EXPRESS SCRIPTS EIN 43-1420563 RX ADMIN | Contract Administrator; Claims processing Service code 12 | — | $96K |
| CYBERSCOUT, LLC EIN 16-1684199 IDENTITY THEFT PROTECTION | Claims processing Service code 12 | — | $23K |
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 | 7,585 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 162 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 190 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,937 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC | 445 | $5.3M |
| Dental | DELTA DENTAL OF KENTUCKY | 5,512 | $4.1M |
| Vision | VISION SERVICE PLAN | 4,856 | $600K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 7,585 | $3.6M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 7,390 | $1.6M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 7,390 | $1.6M |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 7,585 | $4.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,585 | — |
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.