| 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 | $75K | $4K | $78K | 8.14% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $34K | $67K | $100K | 14.92% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $387 | $7K | 8.20% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | ARAG INSURANCE COMPANY | $6K | — | $6K | 10.30% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $122 | $3K | 7.84% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $131 | $3K | 8.14% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $291K |
| ANTHEM INSURANCE COMPANIES, INC EIN 35-0781558 MED ADMIN | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Claims processing; Float revenue Service code 12 | — | $265K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 MED ADMIN | Claims processing; Contract Administrator Service code 12 | — | $185K |
| EXPRESS SCRIPTS, INC EIN 43-1420563 RX ADMIN | Claims processing; Contract Administrator Service code 12 | — | $90K |
| BROADSPIRE SERVICES INC EIN 36-3917295 FMLA/STD ADMIN | Claims processing; Contract Administrator Service code 12 | — | $71K |
| DDMN ASO, LLC EIN 41-1852523 DENTAL ADMIN | Claims processing; Contract Administrator Service code 12 | — | $51K |
| BRIGHT HORIZONS CHILDRENS CENTERS EIN 80-0188248 BACK-UP CHILD CARE | Contract Administrator; Claims processing Service code 12 | — | $49K |
| CARE.COM, INC EIN 20-5785879 WORK LIFE SERVICES | Claims processing; Contract Administrator Service code 12 | — | $29K |
| VISION SERVICE PLSN EIN 06-1227840 VISION ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $21K |
| WAGEWORKS EIN 94-3551864 FSA ADMIN | Contract Administrator; Claims processing Service code 12 | — | $12K |
| AP BENEFIT ADVISORS, LLC EIN 30-0837157 BROKER | Other commissions Service code 55 | — | $8K |
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 | 1,238 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 20 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,238 | $948K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,238 | $961K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,238 | $671K |
| Other(7 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,238 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,238 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.