| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 145 W. OSTEND ST. SUITE 200 BALTIMORE, MD 21230 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $17 | $3K | 3.99% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC DBA CRAWFOR | 10 NORTH PARK DR STE 200 HUNT VALLEY, MA 21030 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $270 | $270 | 0.36% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 | 145 W. OSTEND ST. STE 200 BALTIMORE, MD 21230 | METROPOLITAN LIFE INSURANCE COMPANY | -$118 | — | -$118 | -0.16% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC DBA EONE | 145 W. OSTEND ST. 2ND FLOOR BALTIMORE, MD 21230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 6.27% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.60% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR STE 200 HUNT VALLEY, MA 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 4.30% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 145 W. OSTEND ST. 2ND FLOOR BALTIMORE, MD 21230 | VISION SERVICE PLAN | $994 | — | $994 | 5.90% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 145 W OSTEND ST STE 200 BALTIMORE, MD 21230 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $17 | $3K | 20.29% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC DBA CRAWFOR | 10 NORTH PARK DR STE 200 HUNT VALLEY, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $153 | $153 | 1.06% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE ONE BENEFIT SOLUTIONS LLC | 145 W OSTEND ST STE 200 BALTIMORE, MD 21230 | METROPOLITAN LIFE INSURANCE COMPANY | -$257 | — | -$257 | -1.78% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 145 W OSTEND ST STE 200 BALTIMORE, MD 21230 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $17 | $2K | 20.07% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC DBA CRAWFOR | 10 NORTH PARK DR STE 200 HUNT VALLEY, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $67 | $67 | 0.89% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE ONE BENEFIT SOLUTIONS LLC | 145 W OSTEND ST STE 200 BALTIMORE, MD 21230 | METROPOLITAN LIFE INSURANCE COMPANY | -$112 | — | -$112 | -1.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRUSTMARK HEALTH BENEFITS, INC. EIN 35-1846036 NONE | Plan Administrator; Claims processing; Other services Service code 12 | — | $119K |
| AP BENEFIT ADVISORS LLC DBA EONE BE EIN 45-2712335 NONE | Insurance agents and brokers; Consulting (general) Service code 16 | — | $29K |
| CIGNA PPO EIN 59-1031071 NONE | Other services; Claims processing Service code 12 | — | $24K |
| MULTIPLAN, INC EIN 13-3068979 NONE | Other services; Plan Administrator; Claims processing Service code 12 | — | $6K |
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 | 188 | 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) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 169 | $75K |
| Vision | VISION SERVICE PLAN | 111 | $17K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 188 | $67K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 188 | $67K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 188 | $67K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 188 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.