| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MML INS AGENCY LLC3 Filed as: MML INS AGENCY, LLC | PO BOX 8089 BOSTON, MA 02266 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | — | $24K | 5.43% |
| AP BENEFITS ADVISORS LLC3 Filed as: AP BENEFITS ADVISORS, LLC | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $6K | $23K | 20.00% |
| AP BENEFITS ADVISORS LLC3 Filed as: AP BENEFITS ADVISORS, LLC | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21031 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $2K | $13K | 15.20% |
| AP BENEFITS ADVISORS LLC3 Filed as: AP BENEFITS ADVISORS, LLC | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | VISION SERVICE PLAN | $2K | — | $2K | 3.32% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 20.88% |
| J ELLIS INSURANCE AGENCY INC3 Filed as: J ELLIS INSURANCE AGENCY | 203 MARKET ST, STE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $143 | — | $143 | 1.05% |
| MICHAEL C WALKER3 | 203 MARKET ST, STE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $115 | — | $115 | 0.85% |
| AUTUMN STROHMAIER3 Filed as: AUTUMN M STROHMAIER | 254 CHAPMAN RD, STE 203 NEWARK, DE 19702 | CONTINENTAL AMERICAN INSURANCE COMPANY | $113 | — | $113 | 0.83% |
| JASON A BARE3 | 203 MARKET ST, STE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $94 | — | $94 | 0.69% |
| JASON D ELLIS3 | 203 MARKET ST, STE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $74 | — | $74 | 0.54% |
| LEILA RAPPAPORT3 | 501 SILVERSIDE RD, STE 42 WILMINGTON, DE 19809 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.14% |
| MICHAEL E RISKA3 | 203 MARKET ST, STE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST BCBS EIN 52-1385894 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $364K |
| WELLNESS CORPORATE SOLUTIONS, LLC EIN 20-1673089 WELLNESS ADMINISTRATOR | Contract Administrator Service code 13 | — | $51K |
| CIGNA EIN 59-1031071 DENTAL ADMINISTRATOR | Contract Administrator Service code 13 | — | $31K |
| EXPRESS SCRIPTS EIN 22-3461740 RX ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $13K |
| AP BENEFIT ADVISORS, LL EIN 30-0837157 FSA ADMINISTRATOR | Claims processing Service code 12 | — | $11K |
| KEPRO ACQUISTIONS, INC EIN 25-1796254 EAP ADMINISTRATOR | Contract Administrator Service code 13 | — | $10K |
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 | 462 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 477 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 462 | $61K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 429 | $528K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 351 | $114K |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 429 | $560K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 462 | — |
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.