| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIR SUITE 4500 HUNT VALLEY, MD 21031 | COMPANION LIFE INSURANCE COMPANY | $32K | — | $32K | 7.80% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 16.42% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CAPITAL INC | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | DELTA DENTAL OF MISSOURI | $5K | $275 | $6K | 11.64% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE STE 4500 HUNT VALLEY, MD 21030 | VISION SERVICE PLAN | $854 | — | $854 | 6.61% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PLANNED ADMINISTRATORS, INC. EIN 57-0718839 TPA ADMINISTRATION | Contract Administrator; Claims processing Service code 12 | — | $39K |
| BLUE CROSS BLUE SHIELD OF SC EIN 57-0287419 PPO & UTILIZATION REVIEW | Contract Administrator; Claims processing Service code 12 | — | $0 |
| COMPSYCH EIN 35-3739783 TPA | Contract Administrator; Claims processing Service code 12 | — | $0 |
| FIRSTHEALTH EIN 20-1736437 PPO NETWORK FEES | Contract Administrator; Claims processing Service code 12 | — | $0 |
| HEALTHRISK RESOURCE GROUP, LLC EIN 52-2085838 PPO NETWORK FEES | Claims processing; Contract Administrator Service code 12 | — | $0 |
| PLANSOURCE NGE, INC. EIN 81-4798985 COBRA ADMINISTRATION | Claims processing; Contract Administrator Service code 12 | — | $0 |
| TELADOC EIN 04-3705970 MANAGED CARE PROGRAMS | Claims processing; Contract Administrator Service code 12 | — | $0 |
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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 163 | $48K |
| Vision | VISION SERVICE PLAN | 111 | $13K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 158 | $125K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 158 | $125K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 158 | $125K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 115 | $415K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 158 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.