| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INDEPENDENCE ADMINISTRATORS3 | 1900 MARKET STREET PHILADELPHIA, PA 19103 | INDEPENDENCE ADMINISTRATORS | $65K | — | $65K | 9.29% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | GUARDIAN | $6K | — | $6K | 2.57% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON LLC | 840 GESSNER ROAD STE. 700 HOUSTON, TX 77024 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 6.72% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 179 FAIRFIELD AVE. BELLEVUE, KY 41073 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 4.03% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 280 GRANITE RUN DR. STE 250 LANCASTER, PA 17601 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.15% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES, LLC | 27064 OAKMEAD PERRYSBURG, OH 43551 | STANDARD INSURANCE COMPANY | $825 | — | $825 | 0.85% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON LLC | 840 GESSNER ROAD STE. 700 HOUSTON, TX 77024 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 7.95% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 179 FAIRFIELD AVE. BELLEVUE, KY 41073 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 4.80% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 280 GRANITE RUN DR. STE 250 LANCASTER, PA 17601 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 3.17% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES, LLC | 27064 OAKMEAD PERRYSBURG, OH 43551 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 1.26% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON LLC | 840 GESSNER ROAD STE. 700 HOUSTON, TX 77024 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 7.80% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 179 FAIRFIELD AVE. BELLEVUE, KY 41073 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 4.72% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 280 GRANITE RUN DR. STE 250 LANCASTER, PA 17601 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 3.15% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES, LLC | 27064 OAKMEAD PERRYSBURG, OH 43551 | STANDARD INSURANCE COMPANY | $873 | — | $873 | 1.25% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 179 FAIRFIELD AVE. BELLEVUE, KY 41073 | STANDARD INSURANCE COMPANY | $20K | — | $20K | 30.15% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON LLC | 840 GESSNER ROAD STE. 700 HOUSTON, TX 77024 | STANDARD INSURANCE COMPANY | $20K | — | $20K | 29.99% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES, LLC | 27064 OAKMEAD PERRYSBURG, OH 43551 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.51% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 280 GRANITE RUN DR. STE 250 LANCASTER, PA 17601 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 1.67% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 21 E. 5TH AVE STE 204 CONSHOHOCKEN, PA 19428 | NATIONAL VISION ADMINISTRATORS, LLC | $2K | — | $2K | 10.00% |
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 | 372 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 382 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE ADMINISTRATORS | 351 | $703K |
| Dental | GUARDIAN | 357 | $234K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 312 | $23K |
| Life insurance | STANDARD INSURANCE COMPANY | 521 | $97K |
| Short-term disability | STANDARD INSURANCE COMPANY | 165 | $70K |
| Long-term disability | STANDARD INSURANCE COMPANY | 156 | $79K |
| Stop-loss / reinsurancereinsurance | INDEPENDENCE ADMINISTRATORS | 351 | $703K |
| Other | GUARDIAN | 357 | $234K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 521 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.