| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 210301827 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $113K | — | $113K | 6.57% |
| IMG3 | 2960 NORT MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $310 | $310 | 0.02% |
| AP BENEFITS ADVISORS LLC3 | 575 E SWEDESFORD RD SUITE 200 WAYNE, PA 190871613 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $916 | $4K | 1457.02% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 575 E SWEDESFORD RD SUITE 200 WAYNE, PA 190871613 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $1K | $4K | 1880.09% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 575 E SWEDESFORD RD SUITE 200 WAYNE, PA 190871613 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $1K | $7K | 4493.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INDEPENDENCE BLUE CROSS EIN 23-0370270 MED ADMIN | Claims processing; Contract Administrator Service code 12 | — | $832K |
| EYEMED EIN 31-1656473 VISION ADMIN | Claims processing; Contract Administrator Service code 12 | — | $113K |
| HEALTY EQUITY EIN 52-2383166 FSA ADMIN | Contract Administrator; Claims processing Service code 12 | — | $6K |
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 | 2,334 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 52 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,394 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 6 | $463 |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 1,292 | $853K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,657 | $1.7M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,657 | $1.7M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,657 | $1.7M |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 1,237 | $901K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,657 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,657 | — |
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."
No prospect flags tripped on this filing.