| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | KAISER FOUNDATION HEALTH PLAN INC | $57K | — | $57K | 6.10% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | STANDARD INSURANCE COMPANY | $75K | — | $75K | 9.12% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | ONE WORLD FINANCIAL CENTER 200 LIBERTY ST, 6TH FL NEW YORK, NY 10281 | STANDARD INSURANCE COMPANY | $17K | — | $17K | 2.13% |
| WILLIS TOWERS WATSON US LLC3 | LOCK BOX 28852 PO BOX 28852 NEW YORK, NY 10281 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 0.40% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | VISION SERVICE PLAN | $2K | — | $2K | 2.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 1 WORLD FINANCIAL CTR, FL 6 NEW YORK, NY 10281 | VISION SERVICE PLAN | $109 | — | $109 | 0.12% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 1 WORLD FINANCIAL CTR, FL 6 NEW YORK, NY 10281 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $238 | — | $238 | 6.17% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $108 | — | $108 | 2.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 MEDICAL ADMIN | Contract Administrator; Claims processing Service code 12 | — | $483K |
| AP BENEFIT ADVISORS, LLC EIN 30-0837157 BENEFIT ADMIN/COBRA ADMIN | Contract Administrator Service code 13 | — | $158K |
| METROPOLITAN LIFE INSURANCE CO EIN 13-5581829 DENTAL ADMIN | Claims processing; Contract Administrator Service code 12 | — | $57K |
| STANDARD INSURANCE COMPANY EIN 93-0242990 STD ATP | Claims processing; Contract Administrator Service code 12 | — | $54K |
| WAGEWORKS EIN 94-3351864 FSA/HSA ADMIN | Claims processing; Contract Administrator Service code 12 | — | $14K |
| EVERNORTH BEHAVIORAL HEALTH, INC EIN 41-1648670 EAP ADMIN | Direct payment from the plan; Contract Administrator; Claims processing; Participant communication Service code 12 | — | $13K |
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 | 841 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 70 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 935 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 348 | $943K |
| Vision | VISION SERVICE PLAN | 584 | $91K |
| Life insurance | STANDARD INSURANCE COMPANY | 841 | $820K |
| Long-term disability | STANDARD INSURANCE COMPANY | 841 | $820K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 85 | $933K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 841 | $824K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 841 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.