| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | AETNA LIFE INSURANCE COMPANY | — | $14K | $14K | 0.19% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 10 HUNT VALLEY, MD 21030 | HARTFORD LIFE AND ACCIDENT | $13K | $18K | $31K | 7.09% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $7K | — | $7K | 38.46% |
| MARY THERESA FISHER4 | 898 UNION CHURCH RD TOWNSEND, DE 19734 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $3K | — | $3K | 19.20% |
| AP BENEFIT ADVISORS, LLC4 | 10 NORTH PAKR DR, STE 200 HUNT VALLEY, MD 21030 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $174 | — | $174 | 0.99% |
| MERCER HEALTH AND BENEFITS, LLC4 Filed as: MERCER HEALTH & BENEFITS ADVISORS | PO BOX 850502 MINNEAPOLIS, MN 55485 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $54 | — | $54 | 0.31% |
| JOHN J. HALPIN4 Filed as: JOHN J HALPIN | 428 S DUNTON AVE ARLINGTON HEIGHTS, IL 60005 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $44 | — | $44 | 0.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LYRA HEALTH, INC EIN 47-2935915 WORKLIFE SERVICES | Direct payment from the plan; Other services Service code 49 | — | $95K |
| THE HARTFORD EIN 06-0838648 STD ASO/LEAVE MGMT/FMLA | Claims processing; Contract Administrator Service code 12 | — | $32K |
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 | 399 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 410 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 387 | $7.5M |
| Dental | AETNA LIFE INSURANCE COMPANY | 387 | $7.5M |
| Vision | VISION SERVICE PLAN | 317 | $60K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 399 | $441K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 399 | $441K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 399 | $478K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 399 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.