| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DR STE 200 HUNT VALLEY, MD 21030 | SUN LIFE ASSURANCE COMPANY OF CANADA | $96K | — | $96K | 6.41% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 | 145 W OSTEND ST SUITE 200 BALTIMORE, MD 21230 | SUN LIFE ASSURANCE COMPANY OF CANADA | $49K | — | $49K | 3.24% |
| CORESOURCE, INC.3 Filed as: TRUSTMARK HEALTH BENEFITS INC | 5200 77 CENTER DR SUITE 400 CHARLOTTE, NC 28217 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $41K | $41K | 2.75% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC DBA EONE | 145 W. OSTEND ST. STE 200 BALTIMORE, MD 21230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $57K | — | $57K | 9.78% |
| 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 | $12K | $40K | $52K | 8.93% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CAPITAL, INC | 145 W OSTEND ST FL 2 BALTIMORE, MD 21230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 1.02% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 145 W. OSTEND ST. SUITE 200 BALTIMORE, MD 21230 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $17 | $15K | 2.54% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC DBA CRAWFOR | 10 NORTH PARK DR. SUITE 200 HUNT VALLEY, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.37% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 | 145 W. OSTEND ST. STE 200 BALTIMORE, MD 21230 | METROPOLITAN LIFE INSURANCE COMPANY | -$963 | — | -$963 | -0.17% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 145 W. OSTEND ST. SUITE 200 BALTIMORE, MD 21230 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $17 | $17K | 15.66% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 | 145 W. OSTEND ST. STE 200 BALTIMORE, MD 21230 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 2.70% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC DBA CRAWFOR | 10 NORTH PARK DR. SUITE 200 HUNT VALLEY, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | — | $298 | $298 | 0.27% |
| 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. | $2K | $103 | $3K | 10.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRUSTMARK HEALTH BENEFITS, INC. EIN 35-1846036 NONE | Other services; Claims processing; Plan Administrator Service code 12 | — | $286K |
| AP BENEFIT ADVISORS LLC DBA EONE BE EIN 45-2712335 NONE | Consulting (general); Insurance agents and brokers Service code 16 | 145 W OSTEND ST 2ND FLOOR BALTIMORE, MD 21230 | $152K |
| CIGNA EIN 59-1031071 NONE | Claims processing; Other services Service code 12 | — | $83K |
| MULTIPLAN, INC. EIN 13-3068979 NONE | Other services; Plan Administrator; Claims processing Service code 12 | — | $13K |
| FLORES AND ASSOCIATES EIN 56-1542307 NONE | Plan Administrator; Claims processing Service code 12 | — | $12K |
| CAREBRIDGE CORPORATION EIN 23-2614764 NONE | Other services Service code 49 | — | $7K |
| TELADOC EIN 04-3705970 NONE | Other services; Claims processing; Plan Administrator Service code 12 | — | $7K |
| ACS - A XEROX COMPANY EIN 36-4129784 NONE | Other services; Claims processing Service code 12 | — | $5K |
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 | 669 | 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) | 669 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC | 1 | $619 |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,114 | $578K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,114 | $578K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 669 | $581K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 669 | $581K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 669 | $581K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 432 | $1.5M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 669 | $714K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,114 | — |
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.
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.