| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DR SUITE 200 HUNT VALLEY, MD 21030 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 5.42% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | HARTFORD LIFE AND ACCIDENT | $55K | $11K | $66K | 25.87% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEVADA, LLC | 3012 W CHARLESTON STE 150 LAS VEGAS, NV 89102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 15.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEVADA, LLC | 3012 W CHARLESTON STE 150 LAS VEGAS, NV 89102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $7 | $3K | 29.09% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94520 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7 | — | $7 | 0.07% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEVADA, LLC | 3012 W CHARLESTON STE 150 LAS VEGAS, NV 89102 | UNUM INSURANCE COMPANY | $3K | — | $3K | 37.78% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ROCKY MOUNTAIN HOSPITAL AND MEDICAL EIN 84-0747736 PLAN ADMINISTRATION | Other services; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator Service code 12 | — | $347K |
| STEALTH PARTNER GROUP EIN 27-0290866 AGENCY/BROKER | Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | — | $26K |
| INGENIO RX, INC. EIN 82-3062245 RX ADMIN | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Contract Administrator; Float revenue Service code 12 | — | -$69K |
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 | 344 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 277 | $265K |
| Vision | VISION SERVICE PLAN | 253 | $37K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 344 | $254K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 26 | $61K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 344 | $254K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 344 | $272K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 344 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.