| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 540 GAITHER RD ROCKVILLE, MD 208506713 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 6.72% |
| MCCLELLAN, DAVID J3 Filed as: MCCLELLAN DAVID | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM INSURANCE COMPANY | $7K | — | $7K | 15.01% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | UNUM INSURANCE COMPANY | — | $877 | $877 | 2.00% |
| MCCLELLAN, DAVID J3 Filed as: MCCLELLAN DAVID | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM INSURANCE COMPANY | $5K | — | $5K | 14.97% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | UNUM INSURANCE COMPANY | — | $579 | $579 | 1.65% |
| MCCLELLAN, DAVID J Filed as: MCCLELLAN DAVID | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| ASSUREDPARTNERS3 Filed as: AP BENEIFT ADVISORS, LLC | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | UNUM INSURANCE COMPANY | — | $561 | $561 | 1.61% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | METROPOLITAN GENERAL INSURANCE COMPANY | $1K | $15 | $2K | 7.64% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEW ENGLAND | 755 MAIN ST. 1 FINANCIAL PLAZA HARTFORD, CT 06103 | METROPOLITAN GENERAL INSURANCE COMPANY | $467 | — | $467 | 2.37% |
| AP BENEFIT ADVISORS, LLC3 | 575 E SWEDESFORD RD SUITE 200 WAYNE, PA 19087 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $103 | $103 | 0.52% |
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS LLC | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $36 | $36 | 0.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 TPA | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Claims processing; Float revenue Service code 12 | — | $534K |
| ACCOLADE TPA | Claims processing Service code 12 | 660 W. GERMANTOWN PIKE SUITE 500 PLYMOUTH MEETING, PA 19462 | $214K |
| AMERIBEN EIN 35-0961454 TPA | Claims processing Service code 12 | — | $212K |
| FIDELITY INVESTMENTS EIN 04-2647786 FSA ADMIN | Recordkeeping fees; Investment advisory (plan); Participant loan processing; Account maintenance fees; Investment advisory (participants) Service code 26 | — | $201K |
| RELIASTAR LIFE INSURANCE COMPANY BENEFIT ADMINISTRATOR | Claims processing Service code 12 | 20 WASHINGTON AVENUE SOUTH MINNEAPOLIS, MN 55401 | $154K |
| DELTA DENTAL OF INDIANA EIN 35-1545647 BENEFIT ADMINSTRATOR | Claims processing; Contract Administrator Service code 12 | — | $33K |
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 | 989 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 35 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,035 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 3 | $50K |
| Vision | EYEMED VISION CARE | 710 | $59K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 989 | $505K |
| Other(5 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 989 | $638K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 989 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.