| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISIORS LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $124K | — | $124K | 29.16% |
| AP BENEFIT ADVISIORS LLC3 | 10 NORTH PARK DRIVE # 200 HUNT VALLEY, MD 210301827 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $5K | $21K | 14.59% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $95 | $95 | 0.07% |
| AP BENEFIT ADVISIORS LLC3 | 10 NORTH PARK DRIVE #200 HUNT VALLEY, MD 210301827 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | $5K | $25K | 18.84% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $88 | $88 | 0.07% |
| AP BENEFIT ADVISIORS LLC3 | 10 NORTH PARK DRIVE #200 HUNT VALLEY, MD 210301827 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $3K | $12K | 13.92% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606791298 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $60 | $60 | 0.07% |
| AP BENEFIT ADVISIORS LLC3 | 10 NORTH PARK DRIVE #200 HUNT VALLEY, MD 210301827 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $520 | $3K | 18.84% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $9 | $9 | 0.07% |
| AP BENEFIT ADVISIORS LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $517 | $172 | $689 | 19.99% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES, INC | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN LIFE INSURANCE COMPANY | — | $683 | $683 | 19.99% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS, LLC | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 210301827 | ZURICH AMERICAN LIFE INSURANCE COMPANY | $512 | — | $512 | 14.99% |
| AP BENEFIT ADVISIORS LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $335 | $112 | $447 | 19.99% |
| AP BENEFIT ADVISIORS LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $231 | $77 | $308 | 20.04% |
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 | 416 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 420 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 896 | $427K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 896 | $427K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 448 | $219K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 416 | $141K |
| Other(6 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 423 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 896 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.