| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC D/B/A EONE | 145 W. OSTEND ST. 2ND FLOOR BALTIMORE, MD 21230 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | — | $21K | 5.01% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE ONE BENEFIT SOLUTIONS LLC | 145 W. OSTEND ST. 2ND FLOOR BALTIMORE, MD 21230 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 2.95% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC DBA CRAWFOR | 10 NORTH PARK DR STE 200 HUNT VALLEY, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8K | $8K | 1.84% |
| AP BENEFIT ADVISORS, LLC3 | 145 W. OSTEND ST. 2ND FLOOR BALTIMORE, MD 21230 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $18K | $6K | $24K | 21.11% |
| AP BENEFIT ADVISORS, LLC3 | 145 W. OSTEND ST. 2ND FLOOR BALTIMORE, MD 21230 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | $1K | $17K | 16.18% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 145 W. OSTEND ST. 2ND FLOOR BALTIMORE, MD 21230 | VISION SERVICE PLAN | $2K | — | $2K | 2.78% |
| AP BENEFIT ADVISORS, LLC3 | 145 W. OSTEND ST. 2ND FLOOR BALTIMORE, MD 21230 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $4K | $4K | 5.07% |
| AP BENEFIT ADVISORS, LLC3 | 145 W. OSTEND ST. 2ND FLOOR BALTIMORE, MD 21230 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $2K | $3K | 10.17% |
| AP BENEFIT ADVISORS, LLC3 | 145 W. OSTEND ST. 2ND FLOOR BALTIMORE, MD 21230 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $2K | $6K | 20.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRUSTMARK HEALTH BENEFITS, INC. EIN 35-1846036 NONE | Plan Administrator; Other services; Claims processing Service code 12 | — | $265K |
| AP BENEFIT ADVISORS LLC DBA EONE BE EIN 45-2712335 NONE | Consulting (general); Insurance agents and brokers Service code 16 | — | $197K |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 NONE | Contract Administrator; Claims processing; Other services Service code 12 | — | $139K |
| CIGNA PPO EIN 59-1031071 NONE | Other services; Claims processing Service code 12 | — | $118K |
| MULTIPLAN, INC EIN 13-3068979 NONE | Other services; Plan Administrator; Claims processing Service code 12 | — | $36K |
| TELADOC EIN 04-3705970 NONE | Claims processing; Plan Administrator; Other services 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 | 808 | 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) | 808 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,320 | $411K |
| Vision | VISION SERVICE PLAN | 467 | $86K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 808 | $104K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 277 | $86K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 779 | $115K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 808 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,320 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.