| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR HUNT VALLEY, MD 21030 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $94K | — | $94K | 14.04% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 701 B STREET SAN DIEGO, CA 92101 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 1.01% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 575 E SWEDESFORD RD STE 200 WAYNE, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $4K | $30K | 6.85% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS. SERVICES INC. | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $111 | $3K | 0.79% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS. SERVICES INC. | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.56% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Contract Administrator Service code 12 | — | $708K |
| AP BENEFIT ADVISORS LLC EIN 30-0837157 BROKER | Other commissions Service code 55 | — | $117K |
| PRUDENTIAL INSURANCE COMPANY EIN 22-1211670 STD ASO | Contract Administrator; Claims processing Service code 12 | — | $60K |
| OPTUM RX INC. EIN 33-0441200 RX BENEFIT MANAGEMENT | Float revenue; Claims processing; Direct payment from the plan; Other fees Service code 12 | — | $19K |
| WEX INC. EIN 01-0526993 FSA HSA ADMIN | Contract Administrator; Claims processing Service code 12 | — | $8K |
| COMPSYCH EIN 35-3739783 TPA FEE | Claims processing; Contract Administrator Service code 12 | — | $0 |
| UHC, INC. | Other services; Claims processing Service code 12 | — | $0 |
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 | 765 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 21 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 787 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,056 | $432K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,056 | $432K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 765 | $668K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 765 | $668K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 765 | $668K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,056 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.