| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS, LLC. | 10 NORTH PARK DR #200 HUNT VALLEY, MD 21030 | HARTFORD LIFE AND ACCIDENT | $13K | $3K | $16K | 24.08% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $2K | $10K | 18.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 4819 EMPEROR BLVD #200 DURHAM, NC 27703 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $651 | $651 | 1.22% |
| ASSUREDPARTNERS3 | 10 N PARK DR SUITE 200 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $2K | $7K | 18.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $459 | $459 | 1.15% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $750 | $181 | $931 | 18.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 4819 EMPEROR BLVD #200 DURHAM, NC 27703 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $55 | $55 | 1.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLEGIANCE BENEFIT PLAN MANAGEMENT EIN 81-0400550 ADMIN FEES | Contract Administrator; Claims processing Service code 12 | — | $139K |
| ALLEGIANCE CARE MANAGEMENT INC. EIN 03-0507057 ADMIN FEES | Contract Administrator; Claims processing Service code 12 | — | $13K |
| RXBENEFITS, INC. EIN 63-1157085 RX ADMINISTRATION | Contract Administrator; Claims processing Service code 12 | — | $4K |
| ALLEGIANCE COBRA SERVICES, INC. EIN 03-0507057 ADMIN FEES | Contract Administrator; Claims processing Service code 12 | — | $5 |
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 | 580 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 594 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 516 | $35K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 580 | $28K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 48 | $40K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 573 | $104K |
| Other(5 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 580 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 580 | — |
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.