| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS, LLC DBA EONE | 145 W OSTEND ST STE 200 BALTIMORE, MD 21230 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $36 | $9K | 1.72% |
| AP BENEFIT ADVISORS, LLC3 | 575 SWEDESFORD RD STE 200 WAYNE, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 1.14% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS, LLC DBA EONE | 145 W OSTEND ST STE 200 BALTIMORE, MD 21230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $27K | $27K | $53K | 11.85% |
| AP BENEFIT ADVISORS, LLC3 | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $13K | — | $13K | 9.90% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX INC. EIN 33-0441200 PBM | Float revenue; Claims processing; Other fees; Direct payment from the plan Service code 12 | — | $3.3M |
| CAREFIRST ADMINISTRATORS EIN 52-1187907 TPA | Claims processing; Contract Administrator Service code 12 | — | $358K |
| EMPLOYEE ONE BENEFIT SOLUTION EIN 20-8205286 BROKER | Other commissions Service code 55 | — | $146K |
| KEPRO ACQUISITIONS, LLC EIN 25-1796254 EAP FEES | Contract Administrator; Claims processing Service code 12 | — | $19K |
| WEX, HEALTH INC. EIN 06-1593514 MEDICAL FSA, DCA | Claims processing; Contract Administrator Service code 12 | — | $12K |
| MDLIVE INC EIN 45-4937055 TELEHEALTH | Contract Administrator; Claims processing Service code 12 | — | $6K |
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 | 905 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 920 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,281 | $499K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 514 | $131K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 905 | $451K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 905 | $451K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 905 | $451K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 905 | $451K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,281 | — |
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.