| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR., STE. 200 HUNT VALLEY, MD 210301827 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $38K | $44K | 3.21% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK PLACE SUITE 200 HUNT VALLEY, MD 21030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $1K | $5K | 6.51% |
| GOLDENWEST INSURANCE SERVICES3 | 370 EAST SOUTH TEMPLE SUITE 200 SALT LAKE CITY, UT 84111 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.99% |
| GOLDENWEST INSURANCE SERVICES3 Filed as: GOLDENWEST FINANCIAL SERVICES | 5025 ADAMS AVE. OGDEN, UT 84403 | HARTFORD LIFE AND ACCIDENT | $7K | $0 | $7K | 13.57% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK PLACE SUITE 200 HUNT VALLEY, MD 21030 | HARTFORD LIFE AND ACCIDENT | $3K | $903 | $4K | 8.22% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK PLACE SUITE 200 HUNT VALLEY, MD 21030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $498 | $2K | 6.39% |
| GOLDENWEST INSURANCE SERVICES3 | 370 EAST SOUTH TEMPLE SUITE 200 SALT LAKE CITY, UT 84111 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.08% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK PLACE SUITE 200 HUNT VALLEY, MD 21030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $482 | $2K | 6.42% |
| GOLDENWEST INSURANCE SERVICES3 | 370 EAST SOUTH TEMPLE SUITE 200 SALT LAKE CITY, UT 84111 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.06% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK PLACE SUITE 200 HUNT VALLEY, MD 21030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $206 | $62 | $268 | 6.49% |
| GOLDENWEST INSURANCE SERVICES3 | 370 EAST SOUTH TEMPLE SUITE 200 SALT LAKE CITY, UT 84111 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $207 | $0 | $207 | 5.01% |
| CHOICE FINANCIAL GROUP LLC3 | 4664 SOUTH BLVD SUITE 200B VIRGINIA BEACH, VA 23452 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $8K | $0 | $8K | 1261.50% |
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 | 355 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 357 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 562 | $1.4M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 562 | $1.4M |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 562 | $1.4M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 296 | $84K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 295 | $33K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 296 | $34K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 296 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 562 | — |
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.