| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 575 E. SWEDESFORD ROAD WAYNE, PA 19087 | HM INSURANCE GROUP | $135K | — | $135K | 20.00% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | GUARDIAN | $5K | $3K | $9K | 3.74% |
| INDEPENDENCE ADMINISTRATORS3 | 1900 MARKET STREET PHILADELPHIA, PA 19103 | INDEPENDENCE ADMINISTRATORS | $65K | — | $65K | 33.31% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE, SUITE 200 HUNT VALLEY, MD 21030 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 6.68% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES, LLC | 27064 OAKMEAD DR. PERRYSBURG, OH 43551 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 6.01% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE, SUITE 200 HUNT VALLEY, MD 21030 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 9.57% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES, LLC | 27064 OAKMEAD PERRYSBURG, OH 43551 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 8.88% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES, LLC | 27064 OAKMEAD DR. PERRYSBURG, OH 43551 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 6.18% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE, SUITE 200 HUNT VALLEY, MD 21030 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 3.91% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 100 E. RIVERCENTER BLVD, STE 800 COVINGTON, KY 41011 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.50% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE, SUITE 200 HUNT VALLEY, MD 21030 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 9.77% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES, LLC | 27064 OAKMEAD PERRYSBURG, OH 43551 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 9.05% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CAPITAL, INC. | 10 NORTH PARK DRIVE, SUITE 200 HUNT VALLEY, MD 21030 | NATIONAL VISION ADMINISTRATORS, LLC | $3K | — | $3K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INSPIRA FINANCIAL EIN 91-1774434 FSA/HSA FEES | Contract Administrator; Claims processing Service code 12 | 2001 SPRING ROAD, SUITE 700 OAKBROOK, IL 60523 | $18K |
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 | 378 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 384 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE ADMINISTRATORS | 378 | $196K |
| Dental | GUARDIAN | 376 | $229K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 339 | $25K |
| Life insurance | STANDARD INSURANCE COMPANY | 501 | $96K |
| Short-term disability | STANDARD INSURANCE COMPANY | 174 | $67K |
| Long-term disability | STANDARD INSURANCE COMPANY | 159 | $64K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HM INSURANCE GROUP | 378 | $870K |
| Other | GUARDIAN | 376 | $229K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 501 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.