| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | DELTA DENTAL INSURANCE COMPANY | $198K | — | $198K | 5.00% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $501K | $203K | $704K | 20.69% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $216K | $122K | $337K | 16.01% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $179K | $103K | $282K | 16.17% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | RELISTAR LIFE INSURANCE COMPANY | $250K | $45K | $295K | 26.04% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | DELTA DENTAL INSURANCE COMPANY | $29K | — | $29K | 4.99% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | EYEMED VISION CARE | $22K | — | $22K | 4.15% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | ARAG INSURANCE COMPANY | $31K | — | $31K | 10.00% |
| ARISTA INVESTORS CORP3 | 25 NEWBRIDGE RD, STE 310 HICKSVILLE, NY 11801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $701 | $3K | 7.70% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUE SHIELD OF FLORIDA EIN 59-2015694 MED/RX ADMIN | Claims processing; Contract Administrator Service code 12 | — | $3.0M |
| BLUECROSS BLUE SHIELD OF SC EIN 57-0287419 FSA ADMINISTRATOR | Claims processing Service code 12 | — | $25K |
| TELADOC HEALTH EIN 04-3705970 CONDITION MGMT | Contract Administrator; Claims processing Service code 12 | — | $16K |
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 | 12,339 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 323 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,703 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL INSURANCE COMPANY | 5,504 | $4.5M |
| Vision | EYEMED VISION CARE | 6,079 | $533K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 12,339 | $3.4M |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,611 | $2.2M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,257 | $1.7M |
| Other(4 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 12,339 | $4.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,339 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.