| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 210301827 | METROPOLITAN LIFE INSURANCE COMPANY | — | $14K | $14K | 1.13% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 210301827 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $54K | $36K | $90K | 16.71% |
| AP BENEFIT ADVISIORS LLC3 | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 210301827 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $53K | $36K | $89K | 16.78% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 210301827 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $50K | $34K | $84K | 16.66% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 210301827 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | $7K | $34K | 25.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX EIN 33-0441200 RX ADMINISTRATION | Float revenue; Direct payment from the plan; Other fees; Claims processing Service code 12 | — | $5.8M |
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $995K |
| QUANTUM HEALTH INC EIN 20-8423895 MEDICAL/WELLNESS ADMIN | Contract Administrator; Claims processing Service code 12 | — | $582K |
| AP BENEFIT ADVISORS, LLC EIN 30-0837157 COBRA/FSA/BENEFITS ADMIN | Claims processing; Contract Administrator Service code 12 | — | $275K |
| BROADSPIRE SERVICES, INC EIN 36-3917295 FMLA AND STD ASO | Contract Administrator; Claims processing Service code 12 | — | $96K |
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 | 2,090 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 63 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 142 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,587 | $1.3M |
| Vision | EYEMED VISION CARE | 2,717 | $142K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,188 | $537K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,014 | $504K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,188 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,587 | — |
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.