| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 772 LITITZ PIKE LITITZ, PA 17543 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $16 | $3K | 10.22% |
| LIAZON BENEFITS INC5 Filed as: LIAZON BENEFITS INC. | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 1416 SWEET HOME RD SUITE 6 AMHERST, NY 14228 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $394 | $394 | 1.54% |
| AP BENEFIT ADVISORS, LLC3 | 772 LITITZ PIKE LITITZ, PA 17543 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $279 | $0 | $279 | 10.00% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST 8TH FLOOR BUFFALO, NY 14204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $140 | $0 | $140 | 5.02% |
| INDEPENDENCE PLANNING GROUP3 | 1767 SENTRY PKWY W BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3 | $0 | $3 | 0.11% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS, INC. | 737 MAIN STREET BUFFALO, NY 14203 | METROPOLITAN PROPERTY & CASUALTY INSURANCE COMPANY (HYATT LEGAL) | $18 | $30 | $48 | 26.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAPITAL BLUE CROSS EIN 23-0455154 ADMIN | Claims processing Service code 12 | — | $9K |
| AP BENEFIT ADVISORS, LLC BROKER | Insurance agents and brokers Service code 22 | 280 GRANITE RUN DRIVE SUITE 250 LANCASTER, PA 17601 | $8K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $8K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $2K |
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 | 27 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 27 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 27 | $26K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 12 | $3K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 27 | $26K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 27 | $26K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 27 | $26K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 25 | $148K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 27 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 27 | — |
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."
No prospect flags tripped on this filing.