| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMBIOPHARM, INC.3 | 1024 DITTMAN COURT BEECH ISLAND, SC 29842 | SUN LIFE ASSURANCE COMPANY OF CANADA | $42K | — | $42K | 15.00% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $14K | $12K | $26K | 22.15% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | $37K | $623 | $38K | 168.62% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIR SUITE 4500 HUNT VALLEY, MD 21031 | DELTA DENTAL OF MISSOURI | $2K | $108 | $2K | 9.93% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing; Contract Administrator Service code 12 | — | $47K |
| OPTUMRX, INC, EIN 33-0441200 PHARMACY BENEFIT MGMT. | Float revenue; Other fees; Direct payment from the plan; Claims processing Service code 12 | — | $35K |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 NONE | Contract Administrator; Claims processing Service code 12 | — | $21K |
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 | 342 | 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) | 349 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | DELTA DENTAL OF MISSOURI | 342 | $21K |
| Life insurance | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 238 | $117K |
| Short-term disability | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 238 | $117K |
| Long-term disability | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 238 | $117K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 222 | $280K |
| Other(2 contracts, 2 carriers) | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 238 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 342 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.