| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE SUITE 200 COCKEYSVILLE, MD 21030 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $125K | $15K | $140K | 17.22% |
| AP BENEFIT ADVISORS, LLC3 | 10 N PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $13K | $25K | 21.61% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $11K | $21K | 21.42% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 210301827 | METROPOLITAN LIFE INSURANCE COMPANY | $4 | $36 | $40 | 0.07% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH ST S SUITE 102 BIRMINGHAM, AL 352331819 | METROPOLITAN LIFE INSURANCE COMPANY | $6 | $4 | $10 | 0.02% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 210301827 | METROPOLITAN LIFE INSURANCE COMPANY | $26 | $44 | $70 | 0.14% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DRIVE STE 200 HUNT VALLEY, MD 210301827 | METROPOLITAN LIFE INSURANCE COMPANY | $2 | $36 | $38 | 0.10% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH ST S STE 102 BIRMINGHAM, AL 352331819 | METROPOLITAN LIFE INSURANCE COMPANY | $5 | $2 | $7 | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $435K |
| AP BENEFIT ADVISORS LLC BROKER | Other commissions Service code 55 | 10 N PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | $255K |
| MEDIMPACT HEALTHCARE SYSTEMS, INC. EIN 33-0567651 CLAIMS VENDOR | Claims processing; Direct payment from the plan; Other services Service code 12 | — | $9K |
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 | 2,493 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,499 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 249 | $155K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,118 | $811K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,118 | $811K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,493 | $97K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,118 | $811K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,118 | $811K |
| Other(3 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,493 | $921K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,493 | — |
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.