| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR, STE 200 HUNT VALLEY, MD 21030 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 2.27% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | VISION SERVICE PLAN | $16K | — | $16K | 10.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $855K |
| NAVIGATE WELLNESS, LLC EIN 27-2536219 WELLNESS | Contract Administrator; Claims processing Service code 12 | — | $64K |
| DELTA DENTAL OF COLORADO EIN 83-4416613 DENTAL ADMIN | Contract Administrator Service code 13 | — | $47K |
| EXPRESS SCRIPTS EIN 43-1420563 RX ADMIN | Contract Administrator; Claims processing Service code 12 | — | $13K |
| WEX HEALTH INC EIN 06-1593514 FSA ADMIN | Contract Administrator; Claims processing Service code 12 | — | $9K |
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 | 1,029 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 47 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,085 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 903 | $60K |
| Vision | VISION SERVICE PLAN | 841 | $148K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,029 | $582K |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,029 | $582K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,029 | $582K |
| Other | STANDARD INSURANCE COMPANY | 1,029 | $582K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,029 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.