| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 10 N PARK DRIVE STE 200 HUNT VALLEY, MD 210301827 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $26K | $28K | 4.43% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 210301338 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $4K | 5.39% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | HARTFORD LIFE AND ACCIDENT | $4K | $169 | $4K | 28.84% |
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 | 205 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 205 | $625K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 134 | $75K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 205 | $625K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 130 | $82K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 130 | $82K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 130 | $82K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 205 | $625K |
| Other | HARTFORD LIFE AND ACCIDENT | 19 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.