| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $10K | $10K | 8.88% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $10K | $10K | 8.34% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $8K | $8K | 7.91% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 5.81% |
| BUITEN AND ASSOCIATES, LLC3 Filed as: BUITEN & ASSOCIATES, LLC | 5738 FOREMOST DR SE GRAND RAPIDS, MI 49546 | HUMANA INSURANCE COMPANY | $101 | — | $101 | 0.19% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 8.44% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 13.03% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 11.93% |
| ASSUREDPARTNERS4 Filed as: ASSURED PARTNERS OF COLORADO | 4582 S ULSTER ST, STE 600 DENVER, CO 80237 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $687 | — | $687 | 6.35% |
| RENEE WAINA4 | 114 CARLTON DR DEL REY OAKS, CA 93940 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $508 | — | $508 | 4.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMIN | Contract Administrator Service code 13 | — | $300K |
| AP BENEFIT ADVISORS, LLC EIN 30-0837157 BENEFIT/FSA/COBRA ADMIN | Claims processing; Contract Administrator Service code 12 | — | $184K |
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 | 723 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 21 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 756 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 556 | $390K |
| Vision | HUMANA INSURANCE COMPANY | 432 | $54K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 723 | $30K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 292 | $115K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 723 | $116K |
| Other(6 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 723 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 723 | — |
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.