| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JON MALMBORG3 Filed as: JON TAYLOR | — | BLUECHOICE HEALTHPLAN | $55K | — | $55K | 5.00% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS, LLC - SC | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | DELTA DENTAL OF MISSOURI | $9K | $450 | $9K | 9.66% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $3K | $12K | 13.00% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | EYEMED VISION CARE | $2K | — | $2K | 11.96% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | P.O. BOX 896620 CHARLOTTE, NC 28289 | EYEMED VISION CARE | $1K | — | $1K | 6.69% |
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 | 389 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 389 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECHOICE HEALTHPLAN | 133 | $1.1M |
| Dental | DELTA DENTAL OF MISSOURI | 264 | $94K |
| Vision | EYEMED VISION CARE | 544 | $20K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 389 | $93K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 389 | $93K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 389 | $93K |
| Prescription drug | BLUECHOICE HEALTHPLAN | 133 | $1.1M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 389 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 544 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.