| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 4500 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 0.27% |
| AON CONSULTING INC3 | 165 BROADWAY, STE 3201 NEW YORK, NY 10006 | METROPOLITAN LIFE INSURANCE COMPANY | — | $53 | $53 | 0.23% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PL CHICAGO, IL 60673 | EYEMED VISION CARE | $318 | — | $318 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AP BENEFIT ADVISORS, LLC EIN 30-0837157 MED ADMIN | Claims processing; Contract Administrator Service code 12 | — | $30K |
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 | 164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 164 | $824K |
| Dental | AETNA LIFE INSURANCE CO. | 164 | $824K |
| Vision | EYEMED VISION CARE | 154 | $0 |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 89 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.