| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | — | $17 | $17 | 0.01% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 5.00% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | — | $17 | $17 | 0.16% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | — | $17 | $17 | 0.30% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | — | $17 | $17 | 0.32% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | — | $17 | $17 | 1.81% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BRIGHT HORIZONS CHILDRENS CENTERS EIN 80-0188248 BACK-UP CHILD CARE | Claims processing; Contract Administrator Service code 12 | — | $63K |
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $44K |
| ANTHEM INSURANCE COMPANIES, INC EIN 35-0781558 MED ADMIN | Other services; Claims processing; Contract Administrator; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $40K |
| LIFECARE, INC. EIN 06-1110340 WORK LIFE SERVICES | Contract Administrator; Claims processing Service code 12 | — | $28K |
| AETNA EIN 06-6033492 MED ADMIN | Claims processing; Contract Administrator Service code 12 | — | $22K |
| EXPRESS SCRIPTS, INC EIN 22-3461740 RX ADMIN | Claims processing; Contract Administrator Service code 12 | — | $15K |
| BROADSPIRE SERVICES INC EIN 36-3917295 FMLA/STD ADMIN | Claims processing; Contract Administrator Service code 12 | — | $12K |
| DELTA DENTAL EIN 41-1852523 DENTAL ADMIN | Contract Administrator; Claims processing Service code 12 | — | $8K |
| WAGEWORKS EIN 94-3551864 FSA ADMIN | Claims processing; Contract Administrator Service code 12 | — | $1K |
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 | 1,206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,206 | $166K |
| Vision | VISION SERVICE PLAN | 875 | $23K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,206 | $138K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,206 | $119K |
| Other(7 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,206 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,206 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.