| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CFA LLC3 | 1501 SOUTH CLINTON STREET BALTIMORE, MD 21224 | SYMETRA LIFE INSURANCE COMPANY | — | $6K | $6K | 3.36% |
| ALLEGEANT LLC3 | 1954 GREENSPRING DRIVE SUITE 640 TIMONIUM, MD 21093 | SYMETRA LIFE INSURANCE COMPANY | — | $705 | $705 | 0.42% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 145 WEST OSTEND STREET 2ND FLOOR BALTIMORE, MD 21230 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 8.17% |
| ALLEGEANT LLC3 | 15 SOUTH HANSON STREET EASTON, MD 21601 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 8.14% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 3.05% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | — | DELTA DENTAL OF PENNSYLVANIA | $6K | — | $6K | 6.86% |
| ALLEGEANT LLC3 | — | DELTA DENTAL OF PENNSYLVANIA | $3K | — | $3K | 3.14% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | VISION SERVICE PLAN | $970 | — | $970 | 4.04% |
| ALLEGEANT LLC3 Filed as: ALLEGEANT, LLC | 15 SOUTH HANSON STREET EASTON, MD 21601 | VISION SERVICE PLAN | $641 | — | $641 | 2.67% |
No Schedule C service providers reported on this filing.
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 | 203 | 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) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 199 | $81K |
| Vision | VISION SERVICE PLAN | 149 | $24K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 414 | $82K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 414 | $82K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 414 | $82K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 197 | $170K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 414 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 414 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.