| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | HIGHMARK INC. | $10K | — | $10K | 6.64% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC. | 3809 WEST CHESTER PIKE SUITE 190 NEWTON SQUARE, PA 19073 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $4K | $6K | 6.05% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC. | 3809 W CHESTER PIKE STE 190 NEWTOWN, PA 19073 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $481 | $481 | 0.96% |
| MULTIPLE BROKERS (SEE APPENDIX)3 Filed as: MULTIPLE BROKERS SEE APPENDIX | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $1K | $82 | $1K | 12.28% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK INC. EIN 23-1294723 MEDICAL/RX ADMIN | Claims processing; Contract Administrator Service code 12 | — | $27K |
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 | 300 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 33 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | HIGHMARK INC. | 267 | $254K |
| Vision | HIGHMARK INC. | 267 | $154K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 300 | $50K |
| Short-term disability | AFLAC | 21 | $11K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 300 | $50K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 300 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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.