| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC _WHL | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | GHMSI | — | $420K | $420K | 5.12% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 145 W. OSTEND ST. SUITE 200 BALTIMORE, MD 21230 | METROPOLITAN LIFE INSURANCE COMPANY | $48K | $17 | $48K | 6.67% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC DBA CRAWFO | 10 NORTH PARK DR STE 200 HUNT VALLEY, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.30% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE ONE BENEFIT SOLUTIONS | 145 W. OSTEND ST. 2ND FLOOR BALTIMORE, MD 21230 | METROPOLITAN LIFE INSURANCE COMPANY | -$4K | — | -$4K | -0.50% |
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 | 552 | 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) | 552 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GHMSI | 1,274 | $8.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,182 | $727K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,182 | $727K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,182 | $727K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,182 | $727K |
| Prescription drug | GHMSI | 1,274 | $8.2M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,182 | $727K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,274 | — |
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.