| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | UNION SECURITY INSURANCE COMPANY | $38K | — | $38K | 11.54% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 4.98% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO | 3900 KINROSS LAKES PARKWAY, STE 300 RICHFIELD, OH 44286 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 2.40% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | EYEMED VISION CARE | $3K | — | $3K | 9.15% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO | 3900 KINROSS LAKES PARKWAY, STE 300 RICHFIELD, OH 44286 | EYEMED VISION CARE | $631 | — | $631 | 1.68% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21 | — | $21 | 5.80% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OH | 3900 KINROSS PARKWAY, STE 300 RICHFIELD, OH 44286 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10 | — | $10 | 2.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 RX BENEFIT MGMT | Other fees; Claims processing; Direct payment from the plan; Float revenue Service code 12 | — | $303K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $223K |
| AP BENEFIT ADVISORS, LLC EIN 30-0837157 BROKER | Other commissions Service code 55 | — | $68K |
| ASSUREDPARTNERS OF OHIO, LLC EIN 80-0786940 BROKER | Other commissions Service code 55 | — | $6K |
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 | 594 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 610 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4 | $51K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF VIRGINIA | 441 | $315K |
| Vision | EYEMED VISION CARE | 345 | $38K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 594 | $332K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 594 | $332K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 594 | $332K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 594 | — |
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."
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.