| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 21 EST 5TH AVE STE 204 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $18K | $117 | $18K | 4.97% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DR #200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 6.20% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 21 E 5TH AVE STE 204 CONSHOHOCKEN, PA 19428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.00% |
| AP BENEFIT ADVISORS, LLC3 | 21 E 5TH AVE STE 204 CONSHOHOCKEN, PA 19428 | VISION SERVICE PLAN | $3K | — | $3K | 3.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 21 E 5TH AVE STE 204 CONSHOHOCKEN, PA 19428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 7.50% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE #200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 6.16% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 21 E 5TH AVE STE 204 CONSHOHOCKEN, PA 19428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 13.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DR #200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 6.17% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 21 E 5TH AVE STE 204 CONSHOHOCKEN, PA 19428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 9.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE #200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 6.21% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 21 E 5TH AVE STE 204 CONSHOHOCKEN, PA 19428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 13.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DR #200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $592 | $592 | 6.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INDEPENDENCE ADMINISTRATORS EIN 23-2184623 HEALTH/RX ADMIN | Contract Administrator; Claims processing Service code 12 | — | $293K |
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 | 1,204 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 132 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,343 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 927 | $355K |
| Vision | VISION SERVICE PLAN | 784 | $103K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,204 | $36K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,204 | $113K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,149 | $95K |
| Other(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,204 | $217K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,204 | — |
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.