| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC DBA EONE | 145 W OSTEND STREET 2ND FLOOR BALTIMORE, MD 21230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $30K | $9K | $39K | 25.93% |
| AP BENEFIT ADVISORS, LLC3 | 145 W. OSTEND ST. STE 200 BALTIMORE, MD 21230 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $9K | 8.38% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC DBA EMPLOYE | 145 W. OSTEND ST. 2ND FLOOR BALTIMORE, MD 21230 | FIDELITY SECURITY LIFE INSURANCE | $2K | — | $2K | 15.56% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 | 145 W. OSTEND ST. 2ND FLOOR BALTIMORE, MD 21230 | FIDELITY SECURITY LIFE INSURANCE | $729 | — | $729 | 6.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRUSTMARK HEALTH BENEFITS EIN 35-1846036 NONE | Other services; Plan Administrator; Claims processing Service code 12 | — | $126K |
| AP BENEFIT ADVISORS LLC DBA EONE BE EIN 45-2712335 NONE | Insurance agents and brokers; Consulting (general) Service code 16 | — | $75K |
| CIGNA PPO EIN 59-1031071 NONE | Claims processing; Other services Service code 12 | — | $23K |
| EYEMED VISION CARE EIN 31-1656473 NONE | Other services; Claims processing Service code 12 | — | $12K |
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 | 178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 123 | $103K |
| Vision | FIDELITY SECURITY LIFE INSURANCE | 168 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 178 | $150K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 178 | $150K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 178 | $150K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 178 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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.