| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $92K | $97K | 2.70% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $2K | $3K | 5.36% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS ,LLC | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $2K | $3K | 5.51% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $1K | $3K | 5.18% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | EYEMED VISION CARE | $2K | — | $2K | 5.05% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | EYEMED VISION CARE | $3 | — | $3 | 0.01% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $643 | $738 | $1K | 5.37% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $254 | $305 | $559 | 5.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INS COMPANY EIN 59-1031071 MEDICAL FEES | Other services; Non-monetary compensation; Claims processing; Participant communication; Direct payment from the plan; Named fiduciary; Contract Administrator; Float revenue Service code 12 | — | $19K |
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 | 599 | 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) | 601 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 330 | $3.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 330 | $3.6M |
| Vision | EYEMED VISION CARE | 544 | $35K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 599 | $55K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 599 | $54K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 570 | $61K |
| Other(5 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 423 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 599 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.