| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR STE 200 HUNT VALLEY, MD 21030 | SUN LIFE ASSURANCE COMPANY OF CANADA | $27K | — | $27K | 4.13% |
| CFA LLC3 | 1501 S CLINTON ST 7TH FL BALTIMORE, MD 21224 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $14K | $14K | 2.17% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 | 145 W OSTEND ST SUITE 200 BALTIMORE, MD 21230 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 0.41% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC D/B/A EONE | 145 W. OSTEND ST. 2ND FLOOR BALTIMORE, MD 21230 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $17 | $8K | 1.86% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC D/B/A CRAWF | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8K | $8K | 1.86% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 | 145 W. OSTEND ST. 2ND FLOOR BALTIMORE, MD 21230 | METROPOLITAN LIFE INSURANCE COMPANY | -$342 | — | -$342 | -0.08% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC DBA EONE | 145 W. OSTEND ST. 2ND FLOOR BALTIMORE, MD 21230 | MUTUAL OF OMAHA INSURANCE COMPANY | $10K | $10K | $19K | 11.88% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | — | $2K | 1.28% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC DBA EONE | 145 W. OSTEND ST. 2ND FLOOR BALTIMORE, MD 21230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $7K | $11K | 9.15% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.24% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC DBA EONE | 145 W. OSTEND ST. 2ND FLOOR BALTIMORE, MD 21230 | EYE MED | $10K | — | $10K | 9.89% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC DBA EONE | 145 W. OSTEND ST. 2ND FLOOR BALTIMORE, MD 21230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $4K | $8K | 11.84% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR STE 200 HUNT VALLEY, MD 21230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $539 | — | $539 | 0.83% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC DBA EONE | 145 W. OSTEND ST. 2ND FLOOR BALTIMORE, MD 21230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $3K | $6K | 13.48% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $367 | — | $367 | 0.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 NONE | Direct payment from the plan; Claims processing; Float revenue; Other fees Service code 12 | — | $2.0M |
| CAREFIRST ADMINISTRATORS, LLC EIN 52-1187907 NONE | Contract Administrator; Claims processing; Other services Service code 12 | — | $234K |
| EMPLOYEE ONE BENEFIT SOLUTIONS EIN 20-8205286 NONE | Insurance agents and brokers Service code 22 | — | $126K |
| KEPRO ACQUISITIONS, LLC EIN 25-1796254 NONE | Insurance services Service code 23 | — | $17K |
| WEX HEALTH INC EIN 06-1593514 NONE | Plan Administrator Service code 14 | — | $9K |
| HEALTHSPARQ EIN 35-2486216 NONE | Other services Service code 49 | — | $3K |
| CONIFER VALUE-BASED CARE EIN 52-1964905 NONE | Plan Administrator Service code 14 | — | $3K |
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 | 803 | 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) | 803 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,129 | $413K |
| Vision | EYE MED | 747 | $96K |
| Life insurance(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 803 | $207K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 649 | $65K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 649 | $117K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 627 | $656K |
| Other(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 803 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,129 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.