| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $301K | $97K | $398K | 15.47% |
| AP BENEFITS ADVISORS LLC3 Filed as: AP BENEFITS ADVISORS, LLC | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | METLIFE LEGAL PLANS | $5K | $603 | $6K | 21.78% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | ACE AMERICAN INSURANCE COMPANY | $4K | — | $4K | 25.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK INC EIN 51-0020405 MEDICAL ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $1.4M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 DENTAL ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $169K |
| THE PRUDENTIAL INS CO OF AMERICA EIN 22-1211670 FMLA/STD ADMINISTRATION | Claims processing Service code 12 | — | $166K |
| EXPRESS SCRIPTS EIN 22-3461740 RX ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $63K |
| AP BENEFIT ADVISORS, LLC EIN 30-0837157 COBRA/FSA ADMINISTRATOR | Claims processing Service code 12 | — | $58K |
| BANK OF AMERICA EIN 94-1687665 HSA ADMINISTRATOR | Contract Administrator Service code 13 | — | $16K |
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 | 2,942 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 64 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,040 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION BENEFITS OF AMERICA | 2,100 | $327K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,942 | $2.6M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,942 | $2.6M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,942 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,942 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.