| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE STE 200 HUNT VALLEY, MD 21030 | HARTFORD LIFE AND ACCIDENT | $14K | $654 | $14K | 8.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICE | 500 W MADISON ST FL 32 CHICAGO, IL 60661 | HARTFORD LIFE AND ACCIDENT | $5K | $0 | $5K | 2.53% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE STE 4500 HUNT VALLEY, MD 21031 | HIGHMARK, INC | $8K | $0 | $8K | 7.44% |
| THE BENECON GROUP3 Filed as: THE BENECON GROUP, LLC | PO BOX 5406 LANCASTER, PA 17606 | HIGHMARK, INC | $3K | $0 | $3K | 2.56% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASSURED PARTNERS EIN 30-0837157 BROKER | Insurance agents and brokers Service code 22 | — | $71K |
| HIGHMARK EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $51K |
| THE BENECON GROUP LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $49K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $10K |
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 | 202 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HIGHMARK, INC | 162 | $107K |
| Vision | HIGHMARK, INC | 162 | $107K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 202 | $180K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 202 | $180K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 202 | $180K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 207 | $581K |
| Other | HARTFORD LIFE AND ACCIDENT | 202 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.