| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | STANDARD INSURANCE COMPANY | $32K | $0 | $32K | 14.33% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS, LLC DBA EMPLOY | 145 W OSTEND STREET 2ND FLOOR BALTIMORE, MD 21230 | EYEMED VISION CARE | $531 | — | $531 | 2.82% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 145 W. OSTEND ST. SUITE 200 BALTIMORE, MD 21230 | METLIFE LEGAL PLANS | $1K | $145 | $1K | 9.50% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE STE 200 HUNT VALLEY, MD 21030 | METLIFE LEGAL PLANS | $110 | — | $110 | 0.76% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE ONE BENEFIT SOLUTIONS LLC | 921 E FORT AVE STE 325 BALTMORE, MD 21230 | METLIFE LEGAL PLANS | $81 | — | $81 | 0.56% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $273K |
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 | 398 | 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) | 398 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF DISTRICT OF COLUMBIA | 426 | $211K |
| Vision | EYEMED VISION CARE | 433 | $19K |
| Life insurance | STANDARD INSURANCE COMPANY | 397 | $225K |
| Long-term disability | STANDARD INSURANCE COMPANY | 397 | $225K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 397 | $240K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 433 | — |
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.