| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | SENTARA HEALTH PLAN | $73K | — | $73K | 3.32% |
| AP BENEFIT ADVISORS, LLC3 | 575 E. SWEDESFORD RD STE 200 WAYNE, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $1K | $5K | 4.70% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 6901 ROCKLEDGE DR SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $2K | $13K | 18.11% |
| AP BENEFIT ADVISORS, LLC3 | 6901 ROCKLEDGE DR. SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $2K | $5K | 8.92% |
| AP BENEFIT ADVISORS, LLC3 | 6901 ROCKLEDGE DR. SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $2K | $6K | 15.12% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | EYEMED VISION CARE | $1K | — | $1K | 7.88% |
| AP BENEFIT ADVISORS, LLC3 | 6901 ROCKLEDGE DR. SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $194 | $1K | 17.64% |
| AP BENEFIT ADVISORS, LLC3 | 6901 ROCKLEDGE DR. SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $299 | $20 | $319 | 87.40% |
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 | 250 | 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) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SENTARA HEALTH PLAN | 241 | $2.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 412 | $104K |
| Vision | EYEMED VISION CARE | 244 | $16K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 101 | $70K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 178 | $61K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 250 | $38K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 250 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 412 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.