| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $19 | $8K | 1.83% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC DBA EONE | 145 W. OSTEND ST. 2ND FLOOR BALTIMORE, MD 21230 | MUTUAL OF OMAHA INSURANCE COMPANY | $12K | $10K | $22K | 12.97% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC DBA EONE | 145 W. OSTEND ST. 2ND FLOOR BALTIMORE, MD 21230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $7K | $13K | 10.11% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC DBA EONE | 145 W. OSTEND ST. 2ND FLOOR BALTIMORE, MD 21230 | EYE MED | $8K | — | $8K | 7.24% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS, LLC DBA EMPLOY | 10 NORTH PARK DR SUITE 200 HUNT VALLEY, MD 21030 | EYE MED | $3K | — | $3K | 2.63% |
| 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 | $9K | 12.35% |
| 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 | $3K | $7K | 14.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MANAGE | Direct payment from the plan; Claims processing; Other fees; Float revenue Service code 12 | — | $3.2M |
| CAREFIRST/BSBCMD EIN 52-1187907 REINSURANCE CARRIER | Contract Administrator; Other services; Claims processing Service code 12 | — | $677K |
| CAREFIRST ADMINISTRATORS EIN 52-1187907 THIRD PARTY ADMIN | Contract Administrator; Other services; Claims processing Service code 12 | — | $308K |
| EMPLOYEE ONE BENEFIT SOLUTIONS EIN 20-8205286 BROKER | Insurance agents and brokers Service code 22 | — | $132K |
| KEPRO EIN 25-1796254 NONE | Insurance services Service code 23 | — | $17K |
| WEX HEATLH INC EIN 06-1593514 NONE | Plan Administrator Service code 14 | — | $10K |
| 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 |
| SUN LIFE EIN 38-1082080 REINSURANCE CARRIER | Other services; Claims processing; Contract Administrator Service code 12 | — | $364 |
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 | 827 | 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) | 827 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,214 | $432K |
| Vision | EYE MED | 871 | $110K |
| Life insurance(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 839 | $221K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 701 | $70K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 701 | $124K |
| Other(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 839 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,214 | — |
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.
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.