| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 718 RIVER RD FAIR HAVEN, NJ 07704 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFLIATES | $256K | — | $256K | 10.04% |
| AP BENEFIT ADVISORS, LLC3 | 10 N PARK DR SUITE 200 HUNT VALLEY, MD 21030 | KAISER FOUNDATION HEALTH PLAN, INC. | $77K | — | $77K | 4.53% |
| AP BENEFIT ADVISORS, LLC3 | 10 N PARK DR SUITE 200 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $26K | — | $26K | 5.82% |
| AP BENEFIT ADVISORS, LLC3 | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 5.93% |
| AP BENEFIT ADVISORS, LLC3 | 111 RUTHAR DR NEWARK, DE 19711 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | $8K | $34K | 20.00% |
| AP BENEFIT ADVISORS, LLC3 | 10 N PARK DR SUITE 200 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 5.82% |
| AP BENEFIT ADVISORS, LLC3 | 111 RUTHAR DR NEWARK, DE 19711 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | $8K | $32K | 20.00% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIR #4500 HUNT VALLEY, MD 21031 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | $6K | $24K | 20.00% |
| AP BENEFIT ADVISORS, LLC3 | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 5.14% |
| AP BENEFIT ADVISORS, LLC3 | 10 N PARK DR SUITE 200 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | $2K | $27K | 48.40% |
| AP BENEFIT ADVISORS, LLC3 | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 5.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS ADMIN | Claims processing; Contract Administrator Service code 12 | — | $1.1M |
| AP BENEFIT ADVISORS LLC BROKER | Contract Administrator; Claims processing Service code 12 | 718 RIVER RD FAIR HAVEN, NJ 07704 | $150K |
| CIGNA HEALTH AND LIFE INSURANCE CO. | Contract Administrator; Claims processing Service code 12 | — | $0 |
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 | 1,871 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 44 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,939 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 220 | $1.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFLIATES | 2,815 | $2.5M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFLIATES | 2,815 | $2.5M |
| Life insurance | LIFE INSURANCE COMPANY OF AMERICA | 1,871 | $370K |
| Short-term disability(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,894 | $600K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,894 | $159K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFLIATES | 2,815 | $2.5M |
| Other(6 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFLIATES | 2,815 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,815 | — |
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.