| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 1416 SWEET HOME ROAD STE 6 AMHERST, NY 14228 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.28% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 1416 SWEET HOME RD STE 6 AMHERST, NY 14228 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.15% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 21 E 5TH AVE STE 204 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.59% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 1416 SWEET HOME RD STE 6 AMHERST, NY 14228 | METROPOLITAN LIFE INSURANCE COMPANY | $30K | $970 | $31K | 39.94% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 21 E 5TH AVE STE 204 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $38 | $538 | $576 | 0.75% |
| AP BENEFIT ADVISORS, LLC3 | 1416 SWEET HOME ROAD STE 6 AMHERST, NY 14228 | METROPOLITAN HEALTH INSURANCE COMPANY | $26K | $717 | $27K | 41.20% |
| AP BENEFIT ADVISORS, LLC3 | 21 E 5TH AVE STE 204 CONSHOHOCKEN, PA 19428 | METROPOLITAN HEALTH INSURANCE COMPANY | $91 | $370 | $461 | 0.72% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 1416 SWEET HOME ROAD STE 6 AMHERST, NY 14428 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $578 | $27K | 44.08% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 21 E 5TH AVE STE 204 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $265 | $265 | 0.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INDEPENDENCE BLUE CROSS EIN 23-0370270 ADMINISTRATION | Contract Administrator; Claims processing Service code 12 | — | $570K |
| EYEMED EIN 31-1656473 BENEFIT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $147K |
| HEALTHY ALLIANCE LIFE INSURANCE CO EIN 86-0257201 ADMINISTRATION | Contract Administrator; Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $103K |
| HEALTHEQUITY, INC. EIN 52-2383166 BENEFIT ADMINISTRATION | Claims processing; Contract Administrator Service code 12 | — | $48K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Contract Administrator; Claims processing Service code 12 | — | $36K |
| COMPSYCH CORPORATION EIN 36-3739783 EAP ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $27K |
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 | 1,471 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 64 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,551 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 584 | $141K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 1,105 | $845K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,122 | $297K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,471 | $1.2M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,471 | $1.2M |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 1,074 | $546K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,122 | $381K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,122 | — |
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.