| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE ONE BENEFIT SOLUTIONS LLC | 145 W OSTEND ST STE 200 BALTIMORE, MD 212303771 | UNITEDHEALTHCARE INSURANCE COMPANY | $802 | $26K | $27K | 1.19% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 10 N PARK DR STE 200 COCKEYSVILLE, MD 210301827 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $25K | $26K | 1.18% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | DELTA DENTAL | $13K | — | $13K | 7.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 145 W. OSTEND ST. 2ND FLOOR BALTIMORE, MD 21230 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $19K | $2K | $21K | 16.56% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | VISION SERVICE PLAN | $3K | — | $3K | 9.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WAGEWORKS EIN 94-3351864 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other fees Service code 13 | — | $998 |
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 | 186 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 323 | $2.2M |
| Dental | DELTA DENTAL | 412 | $184K |
| Vision | VISION SERVICE PLAN | 154 | $28K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 209 | $129K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 209 | $129K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 209 | $129K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 209 | $129K |
| 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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.