| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | SUN LIFE ASSURANCE COMPANY OF CANADA | $232K | — | $232K | 10.05% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 90A JOHN MUIR DR SUITE 100 AMHERST, NY 14228 | SUN LIFE ASSURANCE COMPANY OF CANADA | $116K | — | $116K | 5.02% |
| AP BENEFIT ADVISORS, LLC3 | 575 E SWEDESFORD RD SUITE 200 WAYNE, PA 190871613 | METROPOLITAN LIFE INSURANCE COMPANY | — | $38K | $38K | 2.45% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 10 N PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | COMBINED INSURANCE COMPANY OF AMERICA | $208K | — | $208K | 19.23% |
| ROBYN L PIPER3 | 12520 HIGH BLUFF RD SAN DIEGO, CA 92130 | COMBINED INSURANCE COMPANY OF AMERICA | $59K | — | $59K | 5.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS OF NV INC. | P.O. BOX 743171 LOS ANGELES, CA 900743171 | COMBINED INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 1.09% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON LLC | 840 GESSNER RD SUITE 700 HOUSTON, TX 77024 | COMBINED INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.20% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY LLC | 900 N FRANKLIN ST SUITE 600 CHICAGO, IL 60610 | COMBINED INSURANCE COMPANY OF AMERICA | $251 | — | $251 | 0.02% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DRIVE STE 200 HUNT VALLEY, MD 210301827 | VISION SERVICE PLAN | $37K | — | $37K | 10.13% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | EYEMED VISION CARE | $31K | — | $31K | 9.25% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $26K | $8K | $34K | 13.00% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | METLIFE LEGAL PLANS | $6K | — | $6K | 17.25% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | 10 S. RIVERSIDE PLAZE SUITE 1100 CHICAGO, IL 60606 | METLIFE LEGAL PLANS | — | $859 | $859 | 2.68% |
| AP BENEFIT ADVISORS, LLC3 | 575 E SWEDESFORD RD SUITE 200 WAYNE, PA 19087 | METLIFE LEGAL PLANS | — | $280 | $280 | 0.87% |
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS LLC | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | METLIFE LEGAL PLANS | — | $36 | $36 | 0.11% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | METROPOLITAN GENERAL INSURANCE COMPANY | $3K | — | $3K | 20.01% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | 10 S. RIVERSIDE PLAZE SUITE 1100 CHICAGO, IL 60606 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $423 | $423 | 3.19% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 575 E SWEDESFORD RD SUITE 200 WAYNE, PA 19087 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $186 | $186 | 1.40% |
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS LLC | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $36 | $36 | 0.27% |
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 | 5,541 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 65 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 5,606 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 636 | $9.4M |
| Vision(4 contracts, 3 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 1,932 | $2.9M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 17,592 | $1.6M |
| Short-term disability | COMBINED INSURANCE COMPANY OF AMERICA | 5,195 | $1.1M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,000 | $258K |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 636 | $9.4M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,179 | $2.3M |
| Other(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 19,599 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,599 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.