| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 | 145 W. OSTEND ST. STE 200 BALTIMORE, MD 21230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $79K | $33K | $112K | 17.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 0.87% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 | 145 W. OSTEND ST. STE 200 BALTIMORE, MD 21230 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $10K | $25K | 4.02% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 145 W. OSTEND ST. SUITE 200 BALTIMORE, MD 21230 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $17 | $2K | 0.30% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 | 145 W. OSTEND ST. STE 200 BALTIMORE, MD 21230 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $1K | $17K | 19.70% |
| 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 | 3.15% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 | 145 W. OSTEND ST. STE 200 BALTIMORE, MD 21230 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $3K | — | $3K | 7.89% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 145 W. OSTEND ST. SUITE 200 BALTIMORE, MD 21230 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $691 | $534 | $1K | 3.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRUSTMARK HEALTH BENEFITS, INC. EIN 35-1846036 NONE | Other services; Claims processing; Plan Administrator Service code 12 | — | $286K |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC EIN 20-8205286 NONE | Consulting (general); Insurance agents and brokers Service code 16 | 921 E. FORT AVE. STE 325 BALTIMORE, MD 21230 | $168K |
| CIGNA PPO EIN 59-1031071 NONE | Claims processing; Other services Service code 12 | — | $84K |
| FLORES AND ASSOCIATES EIN 56-1542307 NONE | Claims processing; Plan Administrator Service code 12 | — | $15K |
| MULTIPLAN, INC. EIN 13-3068979 NONE | Claims processing; Plan Administrator; Other services Service code 12 | — | $9K |
| TELADOC EIN 04-3705970 NONE | Plan Administrator; Other services; Claims processing Service code 12 | — | $7K |
| CAREBRIDGE CORPORATION EIN 23-2614764 NONE | Other services Service code 49 | — | $6K |
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 | 608 | 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) | 608 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,042 | $617K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,042 | $617K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 608 | $661K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 608 | $661K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 608 | $661K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 608 | $777K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,042 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.