| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC DBA | CRAWFORD ADVISORS LLC 1416 SWEET HOME RD STE 6 AMHERST, NY 142282784 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.92% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 606731298 | VISION SERVICE PLAN | $1K | — | $1K | 2.14% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIR STE 4500 HUNT VALLEY, MD 210301338 | VISION SERVICE PLAN | $899 | — | $899 | 1.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NORTHERN TRUST COMPANY EIN 36-1561860 NONE | Investment management; Direct payment from the plan Service code 28 | — | $30K |
| UMR, INC. EIN 39-1995276 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $13K |
| CRAWFORD ADVISORS LLC EIN 30-0837157 NONE | Plan Administrator; Other services; Contract Administrator; Direct payment from the plan Service code 13 | — | $8K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 256 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 546 | $113K |
| Vision | VISION SERVICE PLAN | 334 | $48K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 546 | $113K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 332 | $391K |
| Other(2 contracts, 2 carriers) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 546 | $903K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 546 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.