| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDOVA HEALTHCARE3 | 8300 E THORN DRIVE SUITE 300 WICHITA, KS 67226 | INTEGON NATIONAL INSURANCE COMPANY | — | $96K | $96K | 28.81% |
| SAVOY ASSOCIATES3 Filed as: DONALD SAVOY DBA SAVOY ASSOCIATES | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | INTEGON NATIONAL INSURANCE COMPANY | $67K | — | $67K | 20.23% |
| RBI INSURANCE3 | 250 CROSSWAYS PARK DR WOODBURY, NY 11797 | INTEGON NATIONAL INSURANCE COMPANY | $28K | — | $28K | 8.36% |
| TRANSPARENT HEALTHCARE GROUP4 | 414 DREXEL PLACE SWARTHMORE, PA 19081 | INTEGON NATIONAL INSURANCE COMPANY | — | $18K | $18K | 5.41% |
| FIRST HEALTH3 Filed as: FIRST HEALTH GROUP CORP | 23291 NETWORK PLACE CHICAGO, IL 60673 | INTEGON NATIONAL INSURANCE COMPANY | — | $4K | $4K | 1.28% |
| CARE ADVOCATES4 | 8300 E THORN DRIVE SUITE 300 WICHITA, KS 67226 | INTEGON NATIONAL INSURANCE COMPANY | — | $4K | $4K | 1.18% |
| QUALITY CARE PARTNERS4 | 33 SOUTH FIFTH STREET ZANESVILLE, OH 43701 | INTEGON NATIONAL INSURANCE COMPANY | — | $3K | $3K | 0.93% |
| PHCS4 Filed as: MULTIPLAN INC - PHCS | PO BOX 29380 NEW YORK, NY 10087 | INTEGON NATIONAL INSURANCE COMPANY | — | $3K | $3K | 0.84% |
| MAGNACARE NETWORK4 | 1600 STEWART AVE STE 700 WESTBURY, NY 11590 | INTEGON NATIONAL INSURANCE COMPANY | — | $2K | $2K | 0.61% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIR STE 4500 HUNT VALLEY, MD 21030 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $16K | — | $16K | 20.00% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | 10 S RIVERSIDE PLAZA STE 1100 CHICAGO, IL 60606 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $2K | $2K | 3.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIR STE 4500 HUNT VALLEY, MD 21030 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $7K | — | $7K | 10.00% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS, LLC DBA P | 200 INTERNATIONAL CIR SUITE 4500 HUNT VALLEY, MD 21031 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 31.31% |
| FINANCIAL BALANCE GROUP LLC3 | 1355 PICARD DR S380 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $376 | — | $376 | 1.19% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIR STE 4500 HUNT VALLEY, MD 21030 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | — | $1K | 10.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 200 INTERNATIONAL CIR STE 4500 HUNT VALLEY, MD 21030 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $992 | — | $992 | 10.01% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF FLORIDA LLC | 1025 GREENWOOD BLVD SUITE 295 LAKE MARY, FL 32746 | ACE AMERICAN INSURANCE COMPANY | $848 | — | $848 | 15.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIR STE 4500 HUNT VALLEY, MD 21030 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $417 | — | $417 | 10.01% |
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 | 479 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 486 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 132 | $79K |
| Vision | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 142 | $10K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 384 | $66K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 33 | $13K |
| Stop-loss / reinsurancereinsurance | INTEGON NATIONAL INSURANCE COMPANY | 179 | $333K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 479 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 479 | — |
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.