| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 21 E 5TH AVE STE 204 CONSHOHOCKEN, PA 19428 | HIGHMARK, INC. | $39K | — | $39K | 4.48% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 575 E SWEDESFORD RD STE 200 WAYNE, PA 19087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 9.88% |
| AP BENEFIT ADVISORS, LLC3 | 21 EAST 5TH AVE SUITE 204 CONSHOHOCKEN, PA 19428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 21 EAST 5TH AVENUE CONSHOHOCKEN, PA 19428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 13.81% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 21 E 5TH AVE SUITE 204 CONSHOHOCKEN, PA 19428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| AP BENEFIT ADVISORS, LLC3 | 21 EAST 5TH AVENUE SUITE 204 CONSHOHOCKEN, PA 19428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| AP BENEFIT ADVISORS, LLC3 | 21 EAST 5TH AVENUE SUITE 204 CONSHOHOCKEN, PA 19428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $746 | — | $746 | 15.01% |
| AP BENEFIT ADVISORS, LLC3 | 21 EAST 5TH AVENUE SUITE 204 CONSHOHOCKEN, PA 19428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $654 | — | $654 | 14.99% |
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 | 104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 79 | $878K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 84 | $57K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 84 | $57K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 104 | $57K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 104 | $13K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 104 | $20K |
| Prescription drug | HIGHMARK, INC. | 79 | $878K |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 104 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.