| 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 | — | $280K | $280K | 5.53% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL, LLC | 2443 SIR BARTON WAY, STE 400 LEXINGTON, KY 40509 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $112K | $121K | 4.49% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | RELIASTAR LIFE INSURANCE COMPANY | $331K | $67K | $398K | 23.72% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR, STE 200 HUNT VALLEY, MD 21030 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC | — | $2K | $2K | 0.50% |
| ASSUREDPARTNERS5 Filed as: ASSURED PARTNERS NL LLC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $9K | $9K | 6.53% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $4.3M |
| AP BENEFIT ADVISORS, LLC EIN 30-0837157 MEDICAL BROKER | Other commissions Service code 55 | — | $282K |
| GENOMIC LIFE EIN 82-1425278 CANCER GAURDIAN | Contract Administrator; Claims processing Service code 12 | — | $247K |
| SONTIQ, INC. EIN 26-4822613 IDENTITY THEFT PROTECTION | Claims processing Service code 12 | — | $211K |
| UNITED OF OMAHA LIFE INSURANCE CO EIN 47-0322111 STD ADMINISTRATION | Claims processing Service code 12 | — | $199K |
| EXPRESS SCRIPTS EIN 43-1420563 RX ADMIN | Claims processing; Contract Administrator Service code 12 | — | $156K |
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 | 9,685 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 130 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 171 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,986 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLAN, INC | 489 | $8.1M |
| Dental | DELTA DENTAL OF KENTUCKY | 7,466 | $6.1M |
| Vision | VISION SERVICE PLAN | 6,413 | $1.0M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 9,679 | $5.1M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 9,685 | $2.7M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 9,685 | $2.7M |
| Other(4 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 9,685 | $9.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,685 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.