| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 145 W. OSTEND ST. SUITE 200 BALTIMORE, MD 21230 | METROPOLITAN LIFE INSURANCE COMPANY | — | $17 | $17 | 0.01% |
| CHRISTINA GROVE3 | 10324 S. DOLFIELD ROAD OWINGS MILLS, MD 21117 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $17 | — | $17 | 0.10% |
| UNITED OF OMAHA LIFE INSURANCE CO5 | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HM LIFE INSURANCE COMPANY EIN 06-1041332 NONE | Insurance services Service code 23 | — | $787K |
| CAREFIRST ADMINISTRATORS EIN 52-1187907 NONE | Plan Administrator; Claims processing Service code 12 | — | $121K |
| AP BENEFIT ADVISORS LLC DBA EONE BE EIN 45-2712335 NONE | Insurance agents and brokers Service code 22 | — | $102K |
| HEALTHSPARQ EIN 35-2486216 NONE | Other services Service code 49 | — | $2K |
| CONIFER VALUE-BASED CARE EIN 91-0742147 NONE | Other services Service code 49 | — | $1K |
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 | 172 | 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) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 142 | $186K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 94 | $17K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 172 | $74K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $0 |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 78 | $49K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 172 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.