| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE COLUMBIA GROUP3 | 600 REISTERSTOWN RD STE 514 BALTIMORE, MD 21208 | GHMSI / CAREFIRST BLUECHOICE | $5K | $53K | $58K | 5.55% |
| AP BENEFIT ADVISORS, LLC5 Filed as: AP BENEFIT, LLC | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21030 | GHMSI / CAREFIRST BLUECHOICE | $0 | $16K | $16K | 1.52% |
| ARYEH GROSS3 | 600 REISTERSTOWN RD STE 514 BALTIMORE, MD 21208 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 1101 WOOTON PARKWAY STE 820 ROCKVILLE, MD 20852 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $867 | $867 | 5.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $295 | $295 | 1.70% |
| ARYEH GROSS3 | 600 REISTERSTOWN RD STE 514 BALTIMORE, MD 21208 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 11.51% |
| AP BENEFIT ADVISORY, LLC3 | 1101 WOOTON PARKWAY STE 820 ROCKVILLE, MD 20852 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $765 | $765 | 5.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $254 | $254 | 1.66% |
| ARYEH GROSS3 | 600 REISTERSTOWN RD STE 514 BALTIMORE, MD 21208 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 12.65% |
| AP BENEFIT ADVISORY, LLC3 Filed as: AP BENEFIT ADVISORY | 1101 WOOTON PARKWAY STE 820 ROCKVILLE, MD 20852 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $697 | $697 | 5.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $128 | $128 | 0.92% |
| ARYEH GROSS3 | 600 REISTERSTOWN RD STE 514 BALTIMORE, MD 21208 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $49 | $49 | 0.72% |
No Schedule C service providers reported on this filing.
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 | 201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GHMSI / CAREFIRST BLUECHOICE | 140 | $1.0M |
| Dental | GHMSI / CAREFIRST BLUECHOICE | 140 | $1.0M |
| Vision | GHMSI / CAREFIRST BLUECHOICE | 140 | $1.0M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 201 | $15K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 25 | $14K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 201 | $17K |
| Prescription drug | GHMSI / CAREFIRST BLUECHOICE | 140 | $1.0M |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 201 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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."
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.