| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | DELTA DENTAL OF MISSOURI | $8K | — | $8K | 9.93% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF SC DBA BYNUM | 1170 WILSON HALL ROAD SUMTER, SC 29150 | DELTA DENTAL OF MISSOURI | $536 | $846 | $1K | 1.75% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CR STE 4500 HUNT VALLEY, MD 21031 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 18.83% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, IN | 3605 GLENWOOD AVE, STE 201 RALEIGH, NC 27612 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$2K | $4K | $2K | 3.27% |
| FINANCIAL BALANCE GROUP LLC3 | 9200 CORPORATE BLVD SUITE 390 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $51 | — | $51 | 0.08% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIRCLE STE 4500 HUNT VALLEY, MD 21031 | EYEMED VISION CARE | $1K | — | $1K | 9.30% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | P.O. BOX 896620 CHARLOTTE, NC 28289 | EYEMED VISION CARE | $1K | — | $1K | 9.30% |
No Schedule C service providers reported on this filing.
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECHOICE HEALTHPLAN | 121 | $1.1M |
| Dental | DELTA DENTAL OF MISSOURI | 246 | $79K |
| Vision(2 contracts) | EYEMED VISION CARE | 253 | $16K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 79 | $66K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 79 | $66K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 79 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.