| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFITS ADVISORS LLC3 Filed as: AP BENEFITS ADVISORS, LLC | 10 N PARK DRIVE STE 200 HUNT VALLEY, MD 21030 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $98K | $105K | 3.61% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE STE 200 HUNT VALLEY, MD 21030 | HARTFORD LIFE AND ACCIDENT | $62K | $481 | $62K | 31.09% |
| AP BENEFIT ADIVSORS, LLC3 | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | TRUSTMARK INSURANCE COMPANY | $21K | — | $21K | 51.54% |
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 | 888 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 29 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 918 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 888 | $2.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 888 | $2.9M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 888 | $2.9M |
| Life insurance | TRUSTMARK INSURANCE COMPANY | 100 | $40K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 66 | $200K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 888 | $2.9M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 100 | $240K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 888 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.