| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIR #4500 HUNT VALLEY, MD 21031 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $111K | $16K | $127K | 17.19% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DR #200 HUNT VALLEY, MD 21030 | CONTINENTAL AMERICAN INSURANCE COMPANY | $104K | — | $104K | 20.29% |
| SHIRLEY SASTRE SOUTO3 Filed as: SHIRLEY SASTRE-SOUTO | 1401 TUNIS ST CORAL GABLES, FL 33134 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 0.90% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 21 EAST 5TH AVE. #204 CONSHOHOCKEN, PA 19428 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 0.77% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $12K | $12K | 3.22% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $12K | $17K | 4.83% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $35K | $5K | $40K | 13.58% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS, LLC. | 200 INTERNATIONAL DR STE 4500 HUNT VALLEY, MD 21031 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $5K | $11K | 3.70% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR SUITE 200 HUNT VALLEY, MD 21031 | ZURICH AMERICAN INSURANCE COMPANY | $21K | — | $21K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVE. STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | $21K | $21K | 15.00% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR SUITE 200 HUNT VALLEY, MD 21031 | ZURICH AMERICAN INSURANCE COMPANY | $14K | — | $14K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVE. STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | $14K | $14K | 15.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE #200 HUNT VALLEY, MD 21030 | ZURICH AMERICAN INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVE. STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | $6K | $6K | 15.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET STE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $353 | $3K | 17.24% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 1.98% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS, LLC. | 10 NORTH PARK DR. #200 HUNT VALLEY, MD 21030 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $2 | $2 | 0.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF SC EIN 57-0287419 HEALTH/RX ADMIN | Contract Administrator; Claims processing Service code 12 | — | $3.6M |
| LINCOLN NATIONAL LIFE INSURANCE CO. EIN 35-0472300 ASO FEES | Contract Administrator; Claims processing Service code 12 | — | $127K |
| CIGNA EIN 59-1031071 DENTAL FEES | Claims processing; Contract Administrator Service code 12 | — | $103K |
| VISION SERVICE PLAN EIN 06-1227840 VISION ADMIN | Claims processing; Contract Administrator Service code 12 | — | $54K |
| WAGEWORKS EIN 94-3351864 FSA ADMIN | Claims processing; Contract Administrator Service code 12 | — | $29K |
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 | 5,943 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,967 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 5,395 | $862K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,943 | $357K |
| Long-term disability(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,283 | $701K |
| Other(8 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,943 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,943 | — |
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.