| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 | 145 W OSTEND ST STE 200 BALTIMORE, MD 21230 | UNITED HEALTHCARE INSURANCE COMPANY | $10K | $66K | $76K | 5.69% |
| AP BENEFIT ADVISORS, LLC3 | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | UNITED HEALTHCARE INSURANCE COMPANY | $13 | $109 | $122 | 0.01% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE #200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $8K | $8K | 8.22% |
| AP BENEFIT ADVISORS, LLC3 | 145 W OSTEND ST STE 200 BALTIMORE, MD 21230 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 5.49% |
| AP BENEFIT ADVISORS, LLC3 | 145 W OSTEND ST STE 200 BALTIMORE, MD 21230 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 25.31% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE #200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 8.21% |
| AP BENEFIT ADVISORS, LLC3 | 145 W OSTEND ST STE 200 BALTIMORE, MD 21230 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 11.76% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 8.20% |
| AP BENEFIT ADVISORS, LLC3 | 145 W OSTEND ST STE 200 BALTIMORE, MD 21230 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 16.84% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE #200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $762 | $762 | 8.04% |
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 | 272 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 343 | $1.3M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 343 | $1.3M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 343 | $1.3M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 272 | $19K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 272 | $92K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 272 | $24K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 343 | $1.3M |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 272 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.