| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIR STE 4500 COCKEYSVILLE, MD 21030 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $35K | $35K | 2.10% |
| EVOLVE CONSULTING GROUP INC3 | 2138 ESPEY CT STE 2 CROFTON, MD 21114 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $16K | $16K | 0.99% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 2138 ESPEY COURT SUITE 2 CROFTON, MD 21114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $24K | $8K | $31K | 13.88% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIR STE 4500 HUNT VALLEY, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $114 | $1K | 5.41% |
| EVOLVE CONSULTING GROUP INC3 | 2138 ESPEY COURT SUITE 2 CROFTON, MD 21114 | METROPOLITAN LIFE INSURANCE COMPANY | $993 | — | $993 | 4.24% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS INC | 101 TREMONT ST FL 11 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | — | $98 | $98 | 0.42% |
| AP BENEFITS ADVISORS LLC3 | 2138 ESPEY CT SUITE 2 CROFTON, MD 21114 | HYATT LEGAL PLANS | $269 | — | $269 | 6.30% |
| EVOLVE CONSULTING GROUP INC3 Filed as: EVOLVE CONSULTING GROUP | 2138 ESPEY COURT SUITE 2 CROFTON, MD 21114 | HYATT LEGAL PLANS | $146 | — | $146 | 3.42% |
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 | 342 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 408 | $1.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 324 | $225K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 324 | $225K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 324 | $225K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 67 | $23K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 67 | $23K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 324 | $230K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 408 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.