| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC DBA | CRAWFORD ADVISORS LLC 10 NORTH PARK DR, STE 200 HUNT VALLEY, MD 210301827 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $2K | $16K | 10.51% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 606731298 | VISION SERVICE PLAN | $248 | — | $248 | 7.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AON CONSULTING EIN 22-2232264 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $22K |
| NORTHERN TRUST COMPANY EIN 36-1561860 NONE | Direct payment from the plan; Investment management Service code 28 | — | $20K |
| CLIFTONLARSENALLEN LLP EIN 41-0746749 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $18K |
| UMR, INC. EIN 39-1995276 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $15K |
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 | 277 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 34 | $3K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 529 | $149K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 312 | $462K |
| Other(2 contracts, 2 carriers) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 529 | $924K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 529 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.