| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 540 GAITHER RD ROCKVILLE, MD 20850 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 1.91% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DR STE 500 FAIRFAX, VA 22030 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 0.87% |
| AP BENEFIT ADVISORS, LLC3 | 540 GAITHER RD ROCKVILLE, MD 208506713 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | — | $16K | 3.05% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 540 GAITER RD ROCKVILLE, MD 208506713 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $4K | $4K | 3.83% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE SUITE 200 COCKEYSVILLE, MD 21030 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $604 | $11K | 15.90% |
| FINANCIAL BALANCE GROUP LLC3 Filed as: FINANCIAL BALANCE GROUP, LLC | 9200 CORPORATE BLVD STE 390 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $241 | — | $241 | 0.34% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | STARMOUNT LIFE INSURANCE COMPANY | $4K | $276 | $4K | 12.51% |
| HAMILTON INSURANCE AGENCY3 | 4100 MONUMENT CORNER DR STE 500 FAIRFAX, VA 22030 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $818 | — | $818 | 8.18% |
| AP BENEFIT ADVISORS, LLC3 | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $585 | — | $585 | 5.85% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DR STE 500 FAIRFAX, VA 22030 | SYMETRA LIFE INSURANCE COMPANY | $3K | $436 | $3K | 36.21% |
| AP BENEFIT ADVISORS, LLC3 | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | SYMETRA LIFE INSURANCE COMPANY | $719 | — | $719 | 8.47% |
| MARSH & MCLENNAN AGENCY LLC3 | 7701 AIRPORT CENTER DR GREENSBORO, NC 27409 | VISION SERVICE PLAN | $22 | — | $22 | 7.43% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $7 | — | $7 | 2.36% |
No Schedule C service providers reported on this filing.
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 | 254 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 129 | $1.2M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 129 | $628K |
| Vision(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 129 | $628K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $80K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $80K |
| Long-term disability | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 50 | $10K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.