| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | OPTIMA HEALTH PLAN | $72K | — | $72K | 2.90% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DR SUITE 200 HUNT VALLEY, MD 21030 | ANTHEM LIFE INSURANCE COMPANY | $22K | — | $22K | 13.03% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | UNITED CONCORDIA INSURANCE COMPANY | $12K | — | $12K | 8.67% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | OPTIMA HEALTH INSURANCE COMPANY | $4K | — | $4K | 3.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS, LLC. | 10 NORTH PARK DR STE 200 HUNT VALLEY, MD 21031 | EYEMED VISION CARE | $3K | — | $3K | 10.42% |
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 | 370 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 373 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OPTIMA HEALTH PLAN | 321 | $2.6M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 274 | $141K |
| Vision | EYEMED VISION CARE | 352 | $26K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 370 | $168K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 370 | $168K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 370 | $168K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 370 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 370 | — |
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."
No prospect flags tripped on this filing.