| 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 | $45K | — | $45K | 4.89% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | STANDARD INSURANCE COMPANY | $120K | $25K | $144K | 28.39% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | VISION SERVICE PLAN | $2K | — | $2K | 3.16% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $701 | — | $701 | 18.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 MEDICAL ADMIN | Contract Administrator; Claims processing Service code 12 | — | $335K |
| AP BENEFIT ADVISORS, LLC EIN 30-0837157 BENEFIT ADMIN/COBRA ADMIN | Contract Administrator Service code 13 | — | $81K |
| STANDARD INSURANCE COMPANY EIN 93-0242990 ABSENCE MGMT/FMLA | Claims processing; Contract Administrator Service code 12 | — | $27K |
| METROPOLITAN LIFE INSURANCE CO EIN 13-5581829 DENTAL ADMIN | Contract Administrator; Claims processing Service code 12 | — | $22K |
| WAGEWORKS EIN 94-3351864 FSA/HSA ADMIN | Contract Administrator; Claims processing Service code 12 | — | $19K |
| CVS PHARMACY INC EIN 05-0340626 RX ADMIN | Claims processing; Contract Administrator Service code 12 | — | $7K |
| EVERNORTH CARE SOLUTIONS, INC EIN 86-1465626 EAP ADMIN | Claims processing; Participant communication; Direct payment from the plan; Contract Administrator Service code 12 | — | $5K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 11 | $930K |
| Vision | VISION SERVICE PLAN | 37 | $66K |
| Life insurance | STANDARD INSURANCE COMPANY | 478 | $509K |
| Long-term disability | STANDARD INSURANCE COMPANY | 478 | $509K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 1 | $924K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 478 | $513K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 478 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.