| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFITS ADVISORS LLC3 | 772 LITITZ PIKE LITITZ, PA 17543 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $448 | $3K | 12.06% |
| AP BENEFITS ADVISORS LLC3 | 772 LITITZ PIKE LITITZ, PA 17543 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $895 | $191 | $1K | 12.13% |
| AP BENEFITS ADVISORS LLC3 | 772 LITITZ PIKE LITITZ, PA 17543 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $837 | $167 | $1K | 11.99% |
| AP BENEFITS ADVISORS LLC3 | 772 LITITZ PIKE LITITZ, PA 17543 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $811 | $178 | $989 | 12.20% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 200 INTERNATIONAL CIRCLE HUNT VALLEY, MD 21030 | NATIONAL VISION ADMINISTRATORS | $649 | $0 | $649 | 10.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 772 LITITZ PIKE LITITZ, PA 17543 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $425 | $101 | $526 | 12.38% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CR STE 4500 HUNT VALLEY, MD 21031 | HARTFORD LIFE AND ACCIDENT | $631 | $0 | $631 | 15.00% |
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 | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 97 | $44K |
| Vision | NATIONAL VISION ADMINISTRATORS | 81 | $6K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 115 | $4K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 32 | $22K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 19 | $8K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.