| 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 | — | $19 | $19 | 0.01% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC DBA EONE | 145 W OSTEND ST FL 2 BALTIMORE, MD 21230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.94% |
| ASSUREDPARTNERS3 Filed as: AP BENEIFT ADVISORS LLC DBA EONE | 145 W OSTEND ST FL 2 BALTIMORE, MD 21230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.52% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC DBA EONE | 145 W OSTEND ST FL 2 BALTIMORE, MD 21230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $695 | $695 | 3.02% |
| UNITED OF OMAHA LIFE INSURANCE CO5 | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 96.43% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC DBA EONE | 145 W OSTEND ST FL 2 BALTIMORE, MD 21230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $228 | $228 | 3.57% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUNLIFE FINANCIAL EIN 38-1082080 REINSURANCE CARRIER | Insurance services Service code 23 | — | $697K |
| CAREFIRST ADMINISTRATORS EIN 52-1187907 THIRD PARTY ADMIN | Claims processing; Plan Administrator Service code 12 | — | $129K |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Claims processing; Other services Service code 12 | — | $71K |
| HEALTHSPARQ EIN 35-2486216 TELEHEALTH | Other services Service code 49 | — | $2K |
| CONIFER VALUE-BASED CARE EIN 91-0742147 NONE | Other services Service code 49 | — | $941 |
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 | 331 | 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) | 331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 553 | $179K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 318 | $22K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 333 | $70K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 296 | $6K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 175 | $50K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 333 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 553 | — |
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."
No prospect flags tripped on this filing.