| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR. STE 200 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $23K | $11K | $34K | 21.86% |
| UNITED OF OMAHA LIFE INSURANCE CO3 Filed as: UNITED OF OMAHA LIFE INSURANCE CO. | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 1.29% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR. SUITE 200 HUNT VALLEY, MD 21030 | EYEMED VISION CARE | $305 | — | $305 | 2.64% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PLANNED ADMINISTRATORS, INC. EIN 57-0718839 TPA ADMIN FEES | Claims processing; Contract Administrator Service code 12 | — | $52K |
| AP BENEFIT ADVISORS, LLC EIN 30-0837157 BROKER/CONSULTANT FEES | Contract Administrator; Claims processing Service code 12 | — | $45K |
| FIRST STOP HEALTH EIN 45-1542956 MANAGED CARE PROGRAMS | Contract Administrator; Claims processing Service code 12 | — | $5K |
| BCBS OF SC EIN 57-0287419 HEALTH MANAGEMENT | Contract Administrator; Claims processing Service code 12 | — | $4K |
| FIRSTHEALTH EIN 20-1736437 PPO NETWORK FEES | Claims processing; Contract Administrator Service code 12 | — | $3K |
| OCCUNET EIN 27-1563468 PPO NETWORK FEES | Contract Administrator; Claims processing Service code 12 | — | $774 |
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 | 107 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 107 | $155K |
| Vision | EYEMED VISION CARE | 86 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 107 | $155K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 107 | $155K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 107 | $155K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 107 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 107 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.