| 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 | 4.60% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 | 145 W. OSTEND ST. STE 200 BALTIMORE, MD 21230 | METROPOLITAN LIFE INSURANCE COMPANY | -$273 | — | -$273 | -0.40% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS, LLC DBA EMPLOY | 145 W. OSTEND ST. SUITE 200 BALTIMORE, MD 21230 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $645 | — | $645 | 11.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BERKLEY LIFE & HEALTH INS EIN 91-6034263 NONE | Contract Administrator; Claims processing; Plan Administrator; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $228K |
| CAREFIRST ADMINISTRATORS EIN 52-1187907 NONE | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Plan Administrator Service code 12 | 1501 S. CLINTON ST. BALTIMORE, MD 21224 | $69K |
| AP BENEFIT ADVISORS LLC DBA EONR EIN 45-2712335 NONE | Insurance agents and brokers; Consulting (general) Service code 16 | — | $42K |
| HEALTHSPARQ EIN 35-2486216 NONE | Other services Service code 49 | — | $499 |
| CONIFER VALUE-BASED CARE EIN 52-1964905 NONE | Other services Service code 49 | — | $324 |
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 | 104 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 267 | $68K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 165 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.