| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $64K | $32K | $97K | 15.00% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $42K | $21K | $64K | 15.00% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $39K | $20K | $59K | 15.00% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | $2K | $25K | 21.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $743K |
| QUANTUM HEALTH INC EIN 20-8423895 MEDICAL ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $520K |
| INTERACTIVE HEALTH SOLUTIONS INC EIN 36-3798756 WELLNESS | Contract Administrator Service code 13 | — | $251K |
| AP BENEFIT ADVISORS, LLC EIN 30-0837157 COBRA/FSA/BENEFITS ADMIN | Claims processing; Contract Administrator Service code 12 | — | $245K |
| BROADSPIRE SERVICES, INC EIN 37-1170934 FMLA AND STD ASO | Contract Administrator; Claims processing Service code 12 | — | $117K |
| LIVONGO HEALTH EIN 26-3542036 DIABETES MGMT PROGRAM | Contract Administrator Service code 13 | — | $92K |
| CVS PHARMACY, INC EIN 05-0340626 RX ADMINISTRATION | Claims processing; Contract Administrator Service code 12 | — | $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 | 2,231 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 43 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,804 | $1.3M |
| Vision | EYEMED VISION CARE | 1,391 | $137K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,231 | $424K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,064 | $390K |
| Other(6 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,231 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,231 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.