| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRLCE, STE 4500 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $23K | $16K | $40K | 15.99% |
| AP BENEFIT ADVISORS, LLC5 | 200 INTERNATIONAL CIRLCE, STE 4500 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $7K | $7K | 3.00% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | VISION SERVICE PLAN | $2K | — | $2K | 6.42% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | DELTA DENTAL OF PENNSYLVANIA | $18K | — | $18K | 100.00% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 18.25% |
| JASON D ELLIS3 | 203 MARKET STREET, STE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $150 | — | $150 | 1.07% |
| KENDA M JOHNSTON3 | 934 SWEENEY DR, STE 8 HAGERSTOWN, MD 21740 | CONTINENTAL AMERICAN INSURANCE COMPANY | $133 | — | $133 | 0.94% |
| MARK JOHNSTON3 | 124 UNDERKE TERR HEDGESVILLE, WV 25427 | CONTINENTAL AMERICAN INSURANCE COMPANY | $107 | — | $107 | 0.76% |
| MICHAEL C WALKER3 | 203 MARKET STREET, STE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $98 | — | $98 | 0.70% |
| MICHAEL E RISKA3 | 203 MARKET STREET, STE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.07% |
| HILARY RADOLEC4 Filed as: HILARY B RADOLEC | 8200 WISCONSIN AVE APT 808 BETHESDA, MD 20814 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST ADMINISTRATORS EIN 52-1187907 CLAIMS ADMIN | Claims processing Service code 12 | — | $139K |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 RX ADMIN | Contract Administrator Service code 13 | — | $3K |
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 | 601 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 619 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 355 | $18K |
| Vision | VISION SERVICE PLAN | 327 | $30K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 145 | $248K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 145 | $248K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 145 | $248K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 145 | $262K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 355 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.