| 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 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $1K | $23K | 23.97% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DR #200 HUNT VALLEY, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $1K | $14K | 20.40% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR #200 HUNT VALLEY, MD 21030 | METROPOLITAN HEALTH INSURANCE COMPANY | $12K | $889 | $13K | 21.90% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INDEPENDENCE BLUE CROSS EIN 23-0370270 MEDICAL/RX ADMIN | Contract Administrator; Claims processing Service code 12 | — | $534K |
| EYEMED EIN 31-1656473 VISION ADMIN | Claims processing; Contract Administrator Service code 12 | — | $105K |
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 | 1,498 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 76 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,581 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 578 | $130K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 1,173 | $725K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,498 | $1.4M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,498 | $1.4M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,498 | $1.4M |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 1,112 | $717K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,498 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,498 | — |
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.