| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $82K | — | $82K | 9.91% |
| AP BENEFIT ADVISORS, LLC3 | 111 RUTHAR DRIVE NEWARK, DE 19711 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $1K | $1K | 0.17% |
| AP BENEFIT ADVISORS, LLC3 | 2138 ESPEY CT 2 SUITE 2 CROFTON, MD 21114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $49K | — | $49K | 21.02% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DR SUITE 200 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 0.61% |
| AP BENEFIT ADVISORS, LLC3 | 2138 ESPEY CT 2 SUITE 2 CROFTON, MD 21114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $32K | — | $32K | 21.51% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DR SUITE 200 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 0.86% |
| AP BENEFIT ADVISORS, LLC3 | 2138 ESPEY CT 2 SUITE 2 CROFTON, MD 21114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | — | $25K | 20.95% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DR SUITE 200 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $706 | $706 | 0.59% |
| AP BENEFIT ADVISORS, LLC3 | 2138 ESPEY CT 2 SUITE 2 CROFTON, MD 21114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $795 | $8K | 22.19% |
| AP BENEFIT ADVISORS, LLC3 | 2138 ESPEY CT 2 SUITE 2 CROFTON, MD 21114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 20.60% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR STE 200 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $214 | $214 | 0.60% |
| AP BENEFIT ADVISORS, LLC3 | 2138 ESPEY CT 2 SUITE 2 CROFTON, MD 21114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $345 | $5K | 21.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 MEDICAL ADMIN | Contract Administrator; Claims processing Service code 12 | — | $97K |
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 | 1,221 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 20 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 910 | $826K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 910 | $826K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,221 | $147K |
| Other(6 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,221 | $595K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,221 | — |
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.