| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 4880 NEWBERRY RD STE 180 GAINESVILLE, FL 32607 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $36K | — | $36K | 10.60% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 4600 W CYPRESS STREET SUITE 550 TAMPA, FL 33607 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 15.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 4600 W CYPRESS STREET SUITE 550 TAMPA, FL 33607 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 15.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 4600 W CYPRESS STREET SUITE 550 TAMPA, FL 33607 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 15.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF FLORIDA LLC | 4880 NEWBERRY RD STE 180 GAINESVILLE, FL 32607 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $873 | $528 | $1K | 14.69% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 4600 W CYPRESS STREET SUITE 550 TAMPA, FL 33607 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 15.01% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF FLORIDA LLC | 4880 NEWBERRY RD STE 180 GAINESVILLE, FL 32607 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $555 | $309 | $864 | 14.17% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF FLORIDA LLC | 4880 NEWBERRY RD STE 180 GAINESVILLE, FL 32607 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $410 | $243 | $653 | 14.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 MED/DEN/VIS ADMIN FEES | Claims processing; Contract Administrator Service code 12 | — | $47K |
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 | 97 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 83 | $338K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 83 | $338K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 83 | $338K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 97 | $8K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 56 | $24K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 97 | $31K |
| Other(5 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 97 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 97 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.