| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DRIVE STE 200 HUNT VALLEY, MD 21030 | UNITED HEALTHCARE INSURANCE COMPANY | $58K | — | $58K | 4.59% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DRIVE STE 200 HUNT VALLEY, MD 21030 | SUN LIFE ASSURANCE COMPANY OF CA | $7K | — | $7K | 10.01% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | ANTHEM BLUE CROSS BLUE SHIELD | $6K | — | $6K | 11.59% |
| HEFFERNAN INSURANCE BROKERS3 | 180 HOWARD ST SUITE 200 SAN FRANCISCO, CA 94105 | ANTHEM BLUE CROSS BLUE SHIELD | $400 | $277 | $677 | 1.29% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FINANCIAL SERV | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | ANTHEM BLUE CROSS BLUE SHIELD | — | $330 | $330 | 0.63% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR SUITE 200 HUNT VALLEY, MD 21030 | EYEMED VISION CARE | $1K | — | $1K | 9.20% |
| JOHNSON RESOURCES3 | 10801 E HAPPY VALLEY RD UNIT 78 SCOTTSDALE, AZ 85255 | EYEMED VISION CARE | $274 | — | $274 | 2.00% |
| HEFFERMAN INSURANCE BROKERS3 | 1350 CARLBACK AVE WALNUT CREEK, CA 94596 | EYEMED VISION CARE | $106 | — | $106 | 0.77% |
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 | 218 | 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) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 218 | $1.3M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CA | 128 | $73K |
| Vision | EYEMED VISION CARE | 163 | $14K |
| Life insurance | ANTHEM BLUE CROSS BLUE SHIELD | 218 | $52K |
| Short-term disability | ANTHEM BLUE CROSS BLUE SHIELD | 218 | $52K |
| Long-term disability | ANTHEM BLUE CROSS BLUE SHIELD | 218 | $52K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 182 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.