| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $4K | $8K | 8.89% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 4.63% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $4K | $6K | 7.46% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 3.04% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $965 | $631 | $2K | 12.36% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $971 | — | $971 | 7.52% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $603 | $379 | $982 | 12.48% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $577 | — | $577 | 7.34% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $348 | $380 | $728 | 10.28% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $360 | — | $360 | 5.08% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET, 6TH STREET SAN DIEGO, CA 92101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $331 | $340 | $671 | 10.20% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE 200 HUNT VALLEY, MD 21030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $327 | — | $327 | 4.97% |
| ROBERT SHEESLEY4 | 380 OCEAN RD, UNIT 6 PORTSMOUTH, NH 03801 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $444 | — | $444 | 20.18% |
| KENNETH HART4 | 250 MEADOWSWEET DR STATE COLLEGE, PA 16801 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $194 | — | $194 | 8.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMIN | Contract Administrator Service code 13 | — | $232K |
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 | 514 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 528 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 395 | $241K |
| Vision | VISION BENEFITS OF AMERICA | 228 | $28K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 427 | $86K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 514 | $87K |
| Other(7 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 433 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 514 | — |
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.