| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $37K | $19K | $56K | 22.75% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | $18K | $43K | 19.06% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $14K | $27K | 19.95% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $64K | — | $64K | 89.67% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $3K | $9K | 21.53% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $2K | $8K | 21.68% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $3K | $6K | 28.12% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $1K | $4K | 21.69% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | ZURICH AMERICAN INSURANCE COMPANY | $370 | — | $370 | 15.01% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | $370 | $370 | 15.01% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $103 | $104 | $207 | 20.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA LIFE AND HEALTH INSURANCE CO EIN 59-1031071 MED/DEN ADMINISTRATION | Direct payment from the plan; Named fiduciary; Participant communication; Other services; Non-monetary compensation; Claims processing; Float revenue; Contract Administrator Service code 12 | — | $418K |
| EXPRESS SCRIPTS, INC EIN 43-1420563 RX ADMINISTRATION | Claims processing; Contract Administrator Service code 12 | — | $57K |
| LINCOLN NATIONAL LIFE INSURANCE CO EIN 35-0472300 STD ASO | Contract Administrator; Claims processing Service code 12 | — | $8K |
| AP BENEFIT ADVISORS, LLC EIN 30-0837157 COBRA/HSA/HRA ADMIN | Contract Administrator; Claims processing Service code 12 | — | $3K |
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 | 743 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 21 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 781 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 652 | $72K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 652 | $72K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 743 | $137K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 743 | $227K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 652 | $72K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 652 | $72K |
| Other(9 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 743 | $801K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 743 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.