| 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 | — | $239K | $239K | 5.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 2355 CRENSHAW BLVD, STE 200 TORRANCE, CA 90501 | KAISER FOUNDATION HEALTH PLAN, INC | — | $1K | $1K | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 2355 CRENSHAW BLVD, STE 200 TORRANCE, CA 90501 | KAISER FOUNDATION HEALTH PLAN, INC | — | $728 | $728 | 0.03% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS | 2305 RIVER RD LOUISVILLE, KY 40206 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $27K | $91K | $118K | 6.19% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | RELIASTAR LIFE INSURANCE COMPANY | $255K | $65K | $320K | 29.65% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL LLC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | MUTUAL OF OMAHA INSURANCE COMPANY | $9K | $21K | $30K | 10.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $4.0M |
| AP BENEFIT ADVISORS, LLC EIN 30-0837157 MEDICAL BROKER | Other commissions Service code 55 | — | $252K |
| GENOMIC LIFE EIN 82-1425278 CANCER GAURDIAN | Contract Administrator; Claims processing Service code 12 | — | $206K |
| SONTIQ, INC. EIN 26-4822613 IDENTITY THEFT PROTECTION | Claims processing Service code 12 | — | $148K |
| UNITED OF OMAHA LIFE INSURANCE CO EIN 47-0322111 STD ADMINISTRATION | Claims processing Service code 12 | — | $139K |
| EXPRESS SCRIPTS EIN 43-1420563 RX ADMIN | Contract Administrator; Claims processing Service code 12 | — | $100K |
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 | 8,360 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 133 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 200 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,693 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC | 502 | $6.0M |
| Dental | DELTA DENTAL OF KENTUCKY | 6,361 | $5.1M |
| Vision | VISION SERVICE PLAN | 5,447 | $771K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8,360 | $4.1M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 8,359 | $1.9M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 8,359 | $1.9M |
| Other(4 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8,360 | $7.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,360 | — |
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.