| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL DRIVE SUITE 4500 HUNT VALLEY, MD 21030 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | — | $15K | 2.70% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102159 PASADENA, CA 91189 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 1.30% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | PO BOX 511398 LOS ANGELES, CA 90051 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 4.05% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL DRIVE SUITE 4500 HUNT VALLEY, MD 21031 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 2.93% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | HARTFORD LIFE AND ACCIDENT | $23K | — | $23K | 11.69% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CTR | PO BOX 102159 PASADENA, CA 91189 | HARTFORD LIFE AND ACCIDENT | $20K | $3K | $23K | 11.53% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEVADA, LLC | 5985 HOME GARDENS DR STE A RENO, NV 89502 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $387 | $3K | 9.04% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE CE | PO BOX 5668 CONCORD, CA 94520 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 6.18% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE CE | PO BOX 102159 PASADENA, CA 91189 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $684 | $684 | 1.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ROCKY MOUNTAIN HOSPITAL AND MEDICAL EIN 84-0747736 HEALTH, RX ADMIN | Contract Administrator; Claims processing Service code 12 | — | $231K |
| AP BENEFIT ADVISORS LLC BROKER | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 200 INTERNATIONAL CR SUITE 4500 HUNT VALLEY, MD 21031 | $0 |
| EDGEWOOD PARTNERS INSURANCE CENTER BROKER | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 2000 ALAMEDA DE LAS PULGAS SAN MATEO, CA 94403 | $0 |
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 | 267 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 245 | $3K |
| Dental(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 245 | $216K |
| Vision | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 245 | $3K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 267 | $201K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 30 | $36K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 267 | $201K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 245 | $573K |
| Other | HARTFORD LIFE AND ACCIDENT | 267 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.